vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I discovered my Avant credit card issued by XXXX missing from my wallet after I logged into my online account and saw six unauthorized transactions. I immediately called Avant customer service on XX/XX/XXXX to report my credit card lost, and to have a claim filed for the unauthorized transactions. I told the customer service representative that the card was lost, but I didn't remember the last time I saw the card, or, at what location the card was lost. The claim was made and submitted to Fraud Management Services. I then received a letter dated XX/XX/XXXX, which informed me that I couldn't be reached by phone, and that I needed to call the Office of Fraud , Research, and Investigations at XXXX Ext. XXXX. The letter stated that information was needed to investigate the alleged fraudulent use of the credit card. I left a voicemail for the representative investigating my case at the extension above, and the voicemail greeting said my call would be returned within 24 hours. However, I didn't receive a call. Nevertheless, I did receive a second letter dated XX/XX/XXXX, which stated Avant had begun a review of the fraud claim, and I would be contacted if additional information was needed to resolve the disputed charges. A third letter dated XX/XX/XXXX was received, and had the same wording as the XX/XX/XXXX letter informing me that I couldn't be reached by phone, and that I needed to call the same phone number and extension as above. Also, the letter stated that I needed to respond by XX/XX/XXXX. I left two voicemails, and I did receive one voicemail from the case worker on XX/XX/XXXX. I returned the call on XX/XX/XXXX, and then made numerous calls through XXXX, leaving a voicemail each time, but never received a return call. The last letter I received from Avant was dated XX/XX/XXXX, which indicated I had notified Avant of suspected unauthorized transactions on the account in the amount of {$480.00}. The investigation was completed, and there was a determination that the transactions were authorized and valid based on the information received in the investigation. Therefore, the transactions would be re-debited to the account and appear on the next statement. Since receiving that letter, I've left four voicemails at the same number and extension, but haven't received a reply. I've enclosed all the correspondence letters received from Avant, and the statement showing the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: VA

Complaint narrative:
This company has been violating my rights as a protected consumer. according to 15usc1681a ( XXXX ) ( A ) ( i ) '' the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' my payment history is in fact transactions between myself and the " person '' as described in 15usc1681a ( b ). I have sent a letter to the cra regarding these violations with no response. please remove the reporting of late payments on my report for account # XXXX and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
Lvnv funding vis XXXX and XXXX sent me paper that i asked to validate debt XX/XX/2022 ... liars... they also sent me someone elses private information, what they owed, how they got judgement, kind of like a threat to me, plus why are they sending me something about another persons privacy matter, very wrong...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/2021 and Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX received it on XX/XX/2021 at XXXX am. Upon giving the company 30 days, which the FCRA gives the company 30 days to respond. I reached out via phone call on XX/XX/2021 at XXXX pm, and spoke with the rudest customer service rep ever and just told me they will respond whenever they want. After hanging up and getting stressed out and depressed, I waited for a response. After about four months I never received anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America reported to XXXX XXXX that I did checking account fraud on my report and never sent any documentation to me about anything. The account was opened in XXXX where I did reside and then I did move to XXXX XXXX Mo shortly after opening the account and still had the account and was never told anything.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a formal letter to Equifax to remove a fraud alert on or about XX/XX/21. I also Called and requested that it be done. 
In addition to requesting to have the fraud alert removed, I am paying member of there myEquifax service which I use to stay on top of my credit score and changes I received a letter stating that the Fraud alert has been removed but on the paid service and well as another paid service that update the report, the Fraud alert has no been removed. 

I am attaching copies of the letter as well as copies of the screen and reports I recently applied to on a checking account and was turned down due to this alert. The alert is harming me personally and I had formally did the right thing requesting the Removal and even paying for the monitorig service does not get service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Department : Remove fraudulent accounts from my credit 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 2022-02-07 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: MI

Complaint narrative:
TransUnion has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give TransUnion my written consent to do so. TransUnion is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent TransUnion please send me a copy of the letter that I handwritten and gave you my permission.

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: DE

Complaint narrative:
On XX/XX/2021 Ive contacted Complete Credit Solution pertaining a fraudulent account on my Credit report for the amount of {$1000.00}. The company said they have responded to me via mail however I havent received anything. Also they have verified the wrong social security number on the phone. All calls for their company is being record please request a play back. To Verify my conversation.

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 2022-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander used a third party back in XXXX to repossess my car then overcharged me to get it back when it shouldve never been stolen in the first place I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/XXXX and The Bureaus located at XXXX XXXX XXXX, XXXX, IL XXXX received it on XX/XX/XXXX at XXXX am. Upon giving the company 30 days, I received statements ( XXXX XXXX ) from the alleged account. I reached out to XXXX XXXX about the account in question. I spoke with a rep named XXXX and he stated " the person who opened the account stated that the date of birth was XX/XX/XXXX and my date of birth is XX/XX/XXXX ''. Also he stated " that the account was opened in XXXX which is before I turned 18 years of age ( Which is a violation of their terms and agreements ). The conclusion is that the account was a result of identity theft. If the company ( XXXX XXXX and The Bureaus ) verifed all the information they should have notice the DOB does not match with mine nor was this account legal for them to open. This process should have been thoughly verified before adding on my credit report. I am willing to take all legal options, if this account is not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
It is impossible to contact Rushmore loan management. They falsely told me I was eligible for a covid related forbearance extension then I was told I was not eligible. Rushmore offered a trial modification and the payments were too high. In the letter included with the trial offer, it states to call if the payment is too high but you want to remain in your home. I have left voicemails and do not get calls returned. The company does not have an email address. I have email addresses of a few employees and emails are not answered. Their chat feature on their website does not work. There is zero communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Dear National Credit System I recently obtained a copy of my credit report from your agency and found the following item to be in error : I dispute the unpaid balance on {$570.00} account number XXXX. This account has been more than seven years. It is too old be shown on my credit account. 

I am requesting that the item be removed to correct the information. 

Enclosed are copy of statement of original transaction date supporting my position. Please investigate this matter and correct the disputed item immediately. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have contacted Experian to remove hard Inquiry that are fraudulent off my credit report this is damaging my credit due to fraudulent inquires which there is multiple such as XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX NA on XX/XX/XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a good standing account with chase in XXXX, The account was closed without clause with a balance of over {$5000.00}. The bank stated that my account was under investigation due to my account balance being over a usual limit. I was unsure as to what that meant at that time. I went into to speak to a banker about the matter, the banker tried to look into the issue and was puzzled due to the fact that my account was in good standing for over two yers and was unsure as to why all of a sudden my account was closed with a positive amount current. 

The bank then sent me a check after 60 days of waiting without any access to my funds and proceeded to close the account. I asked if I could reopen an account and I was told no over the phone and in person because I was not the type of customer CHASE wanted to be associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: GA

Complaint narrative:
ON XX/XX/2021, I XXXX XXXX an all natural person applied for a citi rewards master card. the company denied me after placing an inquiry on my experian credit report which lower my score even more. when placing the inquiry on my report my reputation was harmed, my consumer rights were violated under 15 usc 1692d ( 1 ) ( the use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. i never gave permissible purpose to pull my credit report. i have an open end, under 1681b ( A ) ( 3 ) ( F ) ( ii ). under 15 usc 1681ni will like for my credit line to be open with citi financial and i would like {$1000.00} fine paid for the inquiry on my credit report.

( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and

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 2022-02-07 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: RESOURCE PRO
State: MO

Complaint narrative:
I received a call on XX/XX/XXXX. It was from someone who helps veterans stay up to date on changes in benefits. In this case, a man asked me if I was aware of some new legislation regarding VA loans, and he asked if I was interested in learning more about refinancing. I've already refinanced recently but I thought I'd humor them anyhow since information wouldn't hurt. He directed me to Resource Pro ( XXXX XXXX, CA ), where I believe I talked with XXXX XXXX ( XXXX ) -- I think I was redirected through the call I was with him on ; the loan center number is XXXX. She collected information from me. I also talked to a man on XX/XX/XXXX ; I believe he was " XXXX '' ( XXXX ) a manager according to XXXX -- though the number the call came from was XXXX. At no point in either conversation did I explicitly consent to a hard inquiry. I wasn't under the impression that they were going to do that. Yet, on XX/XX/XXXX, I checked my credit report and found an inquiry dated XX/XX/XXXX from " XXXX XXXX '', an entirely unfamiliar entity. I talked to XXXX again a few times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). She was helpful and eventually directed me to XXXX for assistance. I called him twice that week ( XX/XX/XXXX and XX/XX/XXXX ) and left a message. He never returned it. I tried contacting the bureaus and filing disputes, but it didn't work. The inquiry is still there, and I still want it gone. Furthermore, they also did a hard inquiry on my wife 's credit report. She wants that removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I payed my bill today, XX/XX/22, which was not late. I was still charged {$71.00} for a late fee with Ally Auto. There is a 10-day grace period. On XXXX of XXXX, XXXX from the executive office called me and I missed the call. I returned the call a few days later. She would not answer the phone, neither did she return my call. 

I don't see where they are attempting to fix my account and that person did not return my call. The same thing happens over and over with the company and phone reps. I guess they think if they don't talk to customers and avoid them, that will fix the problem. 

That will not fix the problem, their actions are a sign of guilt of overcharging these fees and refusing to explain.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
For the record, Spring Oaks Capital said that they purchased the alleged debt. 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication of a sale of a debt causing the consumer to become subject to any prohibited act in the FDCPA is a violation. I would also like to mention that the company failed to provide proof that Spring Oaks Capital has rendered any services or compensation which gives them a right to collect. This is consider false representation and violation under 15 USC 1692e ( 2 ). I challenge you to produce an agreement that I have with Spring Oaks Capital. The failure to produce such agreement is considered unfair practices under the FDCPA, 15 USC 1692f ( 1 ). As established, you mentioned the purchase of the alleged debts. According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. You mentioned in your response that you are honoring my requests. I wanted to make sure that it included deletion from all consumer reports. If not, I will be seeking remedy for all violations to the FDCPA which infringed my consumer rights pursuant to 15 USC 1692k

Company response to consumer: Closed with explanation