vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
During pandemic, since we were in a state of Emergency in XX/XX/XXXX this collections company XXXX XXXX called 2 or 3 times daily to pay a debt. I know in state of Emergency periods, they were not supposed to contact me, During those periods, I am not required to pay any outstanding debts, I'm supposed to be worrying about the Emergency. They are a company that Is in California. They want to take on debts of those not residing in their state, then they should know Federal, and Every States Laws pertaining to their business and interaction with those they are contacting. Worst of all, each day, I would be called by 1 phone number, either all 2 or 3 calls that 1 day, is the only time those numbers will be on my caller ID. Each day, they would call from a new number, or each day I would receive 3 calls, all 3 a different number, never repeating. But it was always an XXXX XXXX recording telling me of my debt and payment is expected. I emailed them 1 time telling them they are breaking the law. The president declared the country in a state of emergency, they need to stop calling me until it is lifted. They must of not read it, because they continued with the same daily calls. 
Fast Forward, state of emergency Is over, sometime XXXX XXXX. Time passes. I get a letter in the mail in XX/XX/XXXX, saying My debt for which they have attempted to collect can no longer inquire about repayment and no one should inquire about me doing so.it is against the law. 
Recently in XXXX they sent me the same letter. XXXX XXXX sent me this letter.yet XXXX XXXX keeps calling me to pay it anyway. This is current up to XX/XX/XXXX. Its payment for an outdated XXXX ACCOUNT {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
payPal is continuously putting a debt of {$220.00} on my credit report which makes my credit score decrease. They have done is at a minimum of 3 times. The first time was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX. I am sick and tired of them. I have submitted all 3 times the same bank statement showing that I paid this. I want them banned from having any future reporting with this amount or any amount associated with these transactions made during XX/XX/XXXX XXXX. They are damaging my credit score repeatedly and I want it fixed immediately, whoever is going back and attempting to collect more monies is committing fraud and should be FIRED!!.

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 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
My loan was paid in full in XX/XX/2023. It is now mid-XXXXXXXX & I have not yet received title and/or other documentation confirming that the lien is satisfied and that the vehicle is no longer encumbered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am trying to get rid of all these hard inquires and late payment accounts and anything in collections that I bringing my credit score down. 

In the past I have applied for car loans but not as much as what appears on my credit report. There are a total of maybe XXXX hard inquires ( if not more ), on my credit report and I no longer have a car nor have I gave dealerships the authorization to send my information to numerous lenders. As far as I was concerned, it was only through " in house financing '', and it seems as if the dealerships did not comply. 

I also recently just paid off a old credit card that had an outstanding balance, and it is still showing up on my credit report as open and more than 90 days late. I received a confirmation from XXXX XXXX stating they did receive the {$120.00} I paid to them to close the account and have it up to date. 

I also had a XXXX XXXX XXXX loan open which had an outstanding balance of over {$1500.00} due to my gap insurance at the time not covering the full balance left. For XXXX years I was able to buy XXXX other cars without the dealerships noticing that open car loan. I showed proof of a total loss letter to dealerships and that is how I got passed that and was able to drive off with a car. 
However, now I am seeking to buy another car, this " open loan '' that I did pay the settlement offer too of {$320.00} ; it is still being showed as open and that I owe {$1500.00}. 

I really want all of these removed from my credit report. I find the inconsistencies absurd, I do understand that credit reports are updated every month, but it just seems as if my credit score has not made any major changes. 

Any hard inquiries from almost XXXX years ago should be removed and fall off. 

In accordance with the Fair Credit Reporting act, I feel as if my rights were violated / 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am trying to get rid of all these hard inquires and late payment accounts and anything in collections that I bringing my credit score down. 

In the past I have applied for car loans but not as much as what appears on my credit report. There are a total of maybe XXXX hard inquires ( if not more ), on my credit report and I no longer have a car nor have I gave dealerships the authorization to send my information to numerous lenders. As far as I was concerned, it was only through " in house financing '', and it seems as if the dealerships did not comply. 

I also recently just paid off a old credit card that had an outstanding balance, and it is still showing up on my credit report as open and more than 90 days late. I received a confirmation from XXXX XXXX stating they did receive the {$120.00} I paid to them to close the account and have it up to date. 

I also had a XXXX XXXX XXXX loan open which had an outstanding balance of over {$1500.00} due to my gap insurance at the time not covering the full balance left. For XXXX years I was able to buy XXXX other cars without the dealerships noticing that open car loan. I showed proof of a total loss letter to dealerships and that is how I got passed that and was able to drive off with a car. 
However, now I am seeking to buy another car, this " open loan '' that I did pay the settlement offer too of {$320.00} ; it is still being showed as open and that I owe {$1500.00}. 

I really want all of these removed from my credit report. I find the inconsistencies absurd, I do understand that credit reports are updated every month, but it just seems as if my credit score has not made any major changes. 

Any hard inquiries from almost XXXX years ago should be removed and fall off. 

In accordance with the Fair Credit Reporting act, I feel as if my rights were violated / 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 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 explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I received this card as a gift. I don't want to be a Netspend customer. I am not giving out my social security number in order to use a {$25.00} gift card. I am inclined not to even use it, but then Netspend makes {$27.00} off of a card that is not used. This is not right. I should be able to spend my {$25.00} gift without giving out all of my personal information for Netspend and their partners to use. With all of the data breaches this is just one more sloppy way of doing business. I decline to use this card if I have to give out so much 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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Three adverse action letters sent on XX/XX/2023 and were delivered on XX/XX/2023 stating " We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement '' The only different activity on the account was exercising the right to use the Bill of Exchange Act. There was no other change in account usage. 
There were no wrong usage of the account nor any violations made. 
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

The closing of the three accounts were discrimination from exercising rights in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: OH

Complaint narrative:
I sent a letter on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX  - Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a letter on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. 
Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I originally signed up with a company called XXXX where I financed some dental retainers. I went on an installment program over 18-24 months or so. The debt was then sold to West Lake Portfolio Management. The payments of {$99.00} a month have always been on auto-pay and when the debt was sold I was assured the auto pay would remain intact and I did not have to do anything. 

Last month they called and said I had a past due balance of {$99.00}. I told them its on auto pay and should have just charged me automatically. They said since its the final payment they could not autopay it. I told them to just charge the account theyve been charging and to please stop calling me during work hours. Then today I check my credit report and they marked me as over 30 days past due on the {$99.00}, negatively impacting my credit 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 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX more than 5 years ago with an approximate financing amount of XXXX XXXX, I paid them on time for almost 4 years, when the pandemic came I couldn't keep up to date, they got the car back in perfect condition in working order, with a market price of more than XXXX XXXX, they didn't discount anything and they even charged me absurd fees where I paid over XXXX dollars in collect and now they are saying that my debt is at XXXX XXXX dollars. they refuse to send me any kind of payment history or contract and they keep messing up my credit month after month.in addition to being super rude when we called, treating us like garbage and not giving any information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I called Equaifax to update my credit score when i had and acct remove but it hasn't updated XXXX XXXX was removed but not update on my credit score Customer service is the worst i experience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Company XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX - has violated my rights. 

Transunion refused to provide documentation on how the accounts were verified. 

15 U.S.C 1681 section 02 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 Stated : 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.

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was affected by overdraft fees that weren't legitimate causing a domino effect for several bills that were due at the time. I feel like I am included in the settlement payment from the Wells Fargo 2023 lawsuit

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 2023-04-16 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: GA

Complaint narrative:
I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-16 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: GA

Complaint narrative:
I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist bank allow a {$340.00} fraudulent XXXX XXXX XXXX  charge to go through. It put my account {$190.00} negative balance. Once the fraudulent charge hard post it triggered additional {$36.00} over draft fee for negative balance of {$220.00}. My ex son in law XXXX file a fraud complaint with XXXX XXXX XXXX on my behalf and it was refunded to my account. My bank charge me XXXX {$36.00} overdraft fees and only XXXX has been refunded to me.

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