vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting my XXXX XXXX as having a balance of {$6400.00}, last payment XX/XX/2022 and payment status as acollection account, despite the statement I provided them from thd creditor that cintradicts what they are reporting and claims to have verfied as accurate and true. My last payment on this account was in fact made XX/XX/2022, the payment status is both current and paying as agreed with a balance of {$2800.00}

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 explanation
Consumer complaint received 2022-11-02 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 — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I paid off my credit card in XXXX and closed my account. The online access was turned off and i received no other notices or phone calls In XXXX I received a letter from a collection agency for less than {$20.00}. When the letter was received it said the account was 30 days and i should call immediately. I called and it was regarding my regions credit card ( i have banked with them for years ) and i had to call them to discuss. I called customer service and they agreed that I should have been notified. She zeroed out the account and would report it closed. and said to remove the credit mark ( the only one I have ever had ) i would need to dispute through the credit agencies and she would make notes to approve the correction to my credit. I did and they are refusing to remove the mark. I had no notification that there was residual interest after payoff until it went to a collection agency. They turned off access to my account as well. I feel this is unfair to not do what they said they would do. I have a perfect history and this has impacted my score.

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 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, midland credit, to arrange payment. I had set up an agreement with XXXX XXXXXXXX XXXX a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted Midland of this on multiple occasions and attempted to pay the debt. Midland refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXXXXXX XXXX XXXX  that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both Midland Credit Management and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
Did a transfer to my external account it was returned and my account was suspended from chime already sent all documents to verify my identity and they dont want to lift the suspension or even give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: FL

Complaint narrative:
i received a debt collecting letter from First Credit Services INC for the amount XXXX based upon the letter that i received ( attached ) it looks as though first credit services inc who is a debt collector is collecting on behalf of another debt collector XXXX XXXX XXXX. upon further research i learned that both companies first credit services inc and XXXX XXXX XXXX are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: SC

Complaint narrative:
XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: SC

Complaint narrative:
XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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

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 2022-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, XXXXXXXX XXXX to arrange payment. I had set up an agreement with XXXXXXXX XXXX XXXX  a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted XXXX of this on multiple occasions and attempted to pay the debt. XXXX refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXX XXXX XXXX that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both XXXX XXXX XXXX and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I used to bank with simple then they changed to BBVA compass, right after they changed to pnc bank. Then they shut my account down. I had taxes for years going there to my simple account. Now all my money has disappeared, a few XXXX. Pnc said there's no way they can get it back. I had a XXXX tax return never received and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
There is disagreement over non-receipt of funds from loan applied for and approved in amount of {$6800.00} with Avant, they claim non-receipt of funds is fraudulent when I applied for loan myself, provided income information, social, etc.. The issue appears to be technical in nature, funds sent to incorrect account, Avant disagrees and insists it is fraudulent by providing a fraud packet which they claim they emailed and never received ... Error appears on end of Avant, funding incorrect account.. Regardless of fraud or not, the loan amount, {$6800.00}, plus interest will not be paid due to non-receipt and extortionate interest rate which if paid by term end, doubles loan amount to around XXXX I do not have terms available to me at this time, as I recall, the total paid would come to over double loan amount... I've checked into some reviews of Avant, mostly negative with mention of same high interest amount which they appear to charge everyone whom is approved regardless of credit score... Prior complaints were filed in regard to their extortionate rate, unresolved. Their rep, XXXX XXXX, defended their rate, regardless of credit score, nothing resolved.. Despite high rate and non-receipt of loan, payments were made and ceased due to unresolved issue with high rate and further, non-receipt of funds.. Avant replied to last CFPB complaint referring to prior contact made by myself, no mention of non-receipt of funds which is irrelevant, no further payments will be made... Avant provides number to call to make payment which as stated before in prior CFPB complaint, no further payment ( s ) will be made... Please advise Avant to accept payments already made prior as settlement, remove account from credit reporting... If not, account will fall off after seven years, all derogatory information removed...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To all parties involved my Consumer Information is apart of the Equifax Security Breach. 
I have not or ever, given any company any consent NOW or EVER to use my Consumer Information. I have NOT or EVER given any company permission to report to my Consumer Account without my Consent. I need all information removed from my Consumer Account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
i received a debt collecting letter from XXXX XXXX XXXX XXXX for the amount XXXX based upon the letter that i received ( attached ) it looks as though XXXX XXXX XXXX XXXX who is a debt collector is collecting on behalf of another debt collector velocity investments llc. upon further research i learned that both companies XXXX XXXX XXXX XXXX and velocity investments llc are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.

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 2022-11-02 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: VA

Complaint narrative:
Accounts on XXXX XXXX balance are incorrect with Transunion. They are reporting balances that are wrong and when proof is submitted the issue is not resolved. There are many inaccuracies on my accounts that have not been taken care of.

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 2022-11-02 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: IL

Complaint narrative:
i told transunion that they needed to delete or send me proof i got card from inquiry or firm offer of credit they just deleted older inquirys nothing new XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Hotel and XXXX ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX i got XXXX card from and yet they have XXXX inquirys on my report so give me proof or delete inquires you guys stated that when i got started you guys told me to send in report and you would delete and so far i sent in XXXX consumer fraud reports XXXX police reports and attorney genaral and still got these inquirys on my 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 non-monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The above account has never had a late payment and has always been on auto payment. Last payment on auto pay was XX/XX/2022 when the account was held by synchrony bank. Account was then changed to Barclays and no documentation or request to update the auto payment system was done by Barclays and no payment was made until XX/XX/2022 when I finally received a letter of a passed due balance. I immediately paid the balance due and late fees to bring the account up to date. I have further gone and updated the auto pay system on my account so this does not happen again. I have had this account over XXXX years and have never been late with a payment. 

XXXX XXXXXXXX credit card account # 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 monetary relief
Consumer complaint received 2022-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Carrington Mortgage worked with us to complete a XXXX forbearance for this account. We sent in our modification paperwork, as requested. However, we received a letter that our modification paperwork had not been received so our forbearance had been extended from XXXX to XX/XX/XXXX. 
We received our signed modification paperwork in XXXX and made our first payment XX/XX/XXXX for what should have been our XX/XX/XXXX payment. From the time of our modification paperwork, our payment also somehow went from {$1100.00} to {$1100.00}. 
We are now receiving letters threatening us with foreclosure because our payment is late even though, according to their own paperwork, our payments are on time. We also have to call or mail our payment in as we can not make the payment on line. 
Meanwhile, I've been diagnosed with XXXX and am now in fear that, if I miss a payment due to dealing with doctors and tests, we'll lose the house because Carrington Mortgage refuses to honor the letter they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I closed my Indigo card account in XXXX. Completely paid off the card. when the card was closed, that should have meant no more transactions. I was told the card is closed and to destroy it. I did. Since then, I had XXXX unauthorized transactions from XXXX different company. I called Indigo and was told my account is closed and they were trying to figure out why I am still being billed for some auto pays that I am being double bill for. Since XXXX of the auto pay is my virus protection, I agreed to pay for the charge and was promised nothing else will be billed to me. 
Well, that didnt happen, I am steadily being billed and it seems the customer service rep cant do anything but lie to me about the closed account. I thought closed meant closed. I want this account shutdown completely with a {$0.00} balance as it was back in XXXX. Indigo doesnt know what close meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TX

Complaint narrative:
To all parties involved my Consumer Information is apart of the XXXX Security Breach. 
I have not or ever, given any company any consent NOW or EVER to use my Consumer Information. I have NOT or EVER given any company permission to report to my Consumer Account without my Consent. I need all information removed from my Consumer Account. 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 2022-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : XXXX. XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Bill payment in amount of XXXX made on my XXXX XXXX account on XXXX. Current balance as of today, XXXX, shows XXXX. However, the payment does not show posted yet no payment due, credit available is- XXXX I've tried to locate payment, unable to do so as well as live rep spoke with today.

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 2022-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
A debt of XXXX XXXX  owned by XXXX XXXX ( property tax ) was sent to Nationwide Credit Corporation between late XXXX and XX/XX/XXXX. I inquired with the county after realizing I never received the yearly property tax bill. I reached out via email and was told the debt was forwarded to the above collector. I reached out via email on XX/XX/XXXX and followed up XX/XX/XXXX asking both times for a reference number or further information about a debt that would have been sent from XXXX XXXX. Despite receiving an auto email that I would receive a response in three days, I never received one. I have not been informed that I have the debt or been able to dispute it. I would like it to be removed from my record since I can not address it. 

Thank you for your time, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I went to the atm to take out Money. And the atm did not dispense any money at all. And then an error message came across the screen. And my account was still charged all the money i tried to take out of atm. Happend XXXX. First was for {$400.00}. Second was for $ 390 % Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for XXXX XXXX with XXXX XXXX one time and was approved one time on XX/XX/2022. When I reviewed my Transunion report, it showed three additional inquiries that is inaccurate and should be removed. 

I contacted XXXX XXXX on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. 

I contacted Transunion on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from XXXX XXXX  stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from XXXX XXXX even though I explained to Transunion that XXXX XXXX is refusing to resolve the 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 explanation