vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I have a nonpayment of a mortgage loan for 3 months. This loan was made back in XXXX. It was assumed by someone in the process of selling the house. There is no other reports of this loan for years. I was told after contacting them, that the loan has not had a payment on it for 6 years. They did not contact me before adding this to my credit report. They just did it. I had to contact them to try to find out what is going on..it doesn't make sense, because we bought the house in XXXX, so why would there be a loan dated XXXX. I do not have paperwork since I throw away after 7 years. I believe the company 's name is Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: CA

Complaint narrative:
I was charged {$500.00} through XXXX XXXX on my XXXX card. This is a scam, I called XXXX  to try to get my money back and they said because the transaction was made using XXXX XXXX that they couldnt help. This company always gives me the runaround and never seems to want to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This company is falsely reporting to the credit bureaus. during the pandemic I was unfortunately unable to work because not being deemed essential. I spoke to the company about future payments and they agreed to put my payment at the end of the loan. The next month the repossessed the vehicle was never late and according to my credit report you could see the inconsistency of them reporting. I have tried several times to get this resolution. I only get a voicemail for the department of XXXX  that handles these cases. I have sent numerous letters and tried to call several times. I understand that I was responsible for the car although the late payments is non sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
No actions taking my company unknown debt XX/XX/2019 {$350.00} have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity due to the Louisiana XXXX XXXX DATA BREECH ; all of my information, such as my social, phone number, and date of birth, has been exposed, and more. As a result, I have been a victim of identity theft, and after reviewing my most recent credit report, there are two inquiries on my report that I have no knowledge of, nor do I have an account with these companies. These two inquiries I have listed below are a result of identity theft. 

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 non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my car financing company gave my loan to a company that doesnt honor my warranty. My cars company was called U.S. Auto Finance , Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is the third time this company common wealth financial has placed the same debt. they are unable to provide any proof of debt, or my signature or to mail anything to my address within 30 days, I had it removed in XX/XX/XXXX by dispute it was placed back on my report in XX/XX/XXXX I had it removed XX/XX/XXXX by dispute it was placed back again XX/XX/XXXX on my report, and I have placed third dispute today. I have also seen on my report it is a medical debt, which is not possible. And by some chance it was with the provided paperwork ( which they don't supply ) florida medicad would go back and pay it. However me and all my children are covered by florida medicad and have been since XXXX for all emergency visits and all doctors appointments meaning we are charged XXXX for any and all doctor visits or emergency room visits, because I am a single mother of XXXX living well below florida guidelines of poverty for a family of XXXX. Like i.said I am very aware let 's say by some chance there was a mistake medicad would go back and pay it, of it were my actual medical debt.this is a 3rd party debt collection agency also I am well aware of it I have looked into it. And commonwealth financial was and is incapable of proving the said debt, they can not. At this point this 3rd party agency is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: LEXISNEXIS
State: TX

Complaint narrative:
I previously opened a complaint against this company and they responded saying they would help and they have not. I have attached the evidence showing I submitted the documentation as they requested and have received a zero response. 

They are completely ignoring the request and violation of my rights. 

They are refusing to acknowledge or provide the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: AL

Complaint narrative:
I have disputed inaccuracies on XXXX, Transunion, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.

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 2023-08-13 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: AL

Complaint narrative:
I have disputed inaccuracies on Equifax, XXXX, and XXXX for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX  XXXX- ACCOUNT XXXX  XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX  - ACCOUNT T-MOBILE ( NO KNOWLEDGE 4. XXXX  XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT XXXXXXXX XXXX XXXX HAD THE ACCOUNT FIRST AND THEN SOLD IT TO ENHANCED RECOVERY. XXXXXXXX XXXX FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 
5. XXXX XXXX, XXXX -ACCOUNT AT & T  ( NO KNOWLEDGE ) 6. ENHANCED  RECOVERY  ( NO KNOWLEDGE )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Double billed & warranty/insurance dropped & vehicle repossessed by US Auto Sales

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I've been out of work since XX/XX/XXXX. I've been having severe XXXX  issues recently and it ended up with me being in 5 different XXXX, seeing XXXX, XXXXXXXX XXXX, many XXXX  XXXX, XXXX XXXX, etc. Suffice to say, it's been difficult and I'm currently waiting on my short term disability leave payment to arrive ( delays with the administrator XXXX ). I've slowly been recovering and am expected to return XX/XX/XXXX Complaint : I was 8 days late on my payment, and today with no warning ( no call, no text, no voicemail, no email, nothing ) GM Financial disabled my truck as I got home. I immediately paid online, but they don't have a way to reach humans after hours so I'll be without my truck until Monday in a time where it directly jeopardizes my life. They should've warned me, being without transportation unexpectedly could've caused me great harm, and trying to figure out what the issue was to begin with has made me feel physically sick ( I'm recovering from severe XXXX XXXXXXXX issues, not fun ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: First Help Financial, LLC
State: UT

Complaint narrative:
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXXXXXX XXXX  XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
When I noticed the billing error with Discover credit card services. I sent a affidavit of truth on XX/XX/2023. I requested documentary evidence in order to resolve the billing error. Discover did not provide me with what I requested and failed 15 USC 44 and 15 USC 1666 ( b ) ( 2 ). This is a 15 USC 1601 violation and Discover is civilly liable to me under 15 USC 1640.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX  XXXX- ACCOUNT XXXX  XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX  - ACCOUNT XXXXXXXX  ( NO KNOWLEDGE 4. XXXX  XXXX  XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT IC SYSTEMS , INC HAD THE ACCOUNT FIRST AND THEN SOLD IT TO XXXX XXXX. IC SYSTEMS FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 
5. IC SYSTEMS , INC -ACCOUNT XXXX XXXX XXXX ( NO KNOWLEDGE ) 6. XXXX  XXXX  ( NO KNOWLEDGE )

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 2023-08-13 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: Westlake Services, LLC
State: UT

Complaint narrative:
Good afternoon, I denounce that without legitimate authorization, was consulted by 5 financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

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 2023-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reported a scam payment with {$85.00} today ( XX/XX/XXXX ) and requested to cancel the payment with Chase bank. However, they told me they could neither cancel the payment nor refund the money back. I dont think its reasonable since I called immediately after I transferred the money and knew it was scam. Shouldnt the company protect their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act, this creditor has violated my rights! Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
XXXX, equifax and XXXX are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am not sure but I had checking accounts with XXXX  XXXX XXXX. Wells Fargo and XXXX Bank. And I just heard about your order to XXXX  XXXX XXXX to pay customers. I may be a client that these banks owe money to. But I dont know how to make sure

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 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc.
State: TX

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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 ) X1 ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made an uninformed decision on XX/XX/2017, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a car with US Auto Sales in XX/XX/XXXX. This car had a finance charge of nearly XXXX on a XXXX car. The car was financed for nearly XXXX. XX/XX/XXXX the car broke down and left me stranded in XXXX in XXXX. I called about the warranty the following day and the service was denied. 4 times between XX/XX/XXXX and XX/XX/XXXX the car was in the shop for the same light/code. 

I had payments deferred with US Auto because paying for the car with no help from the warranty made it difficult to keep up with the payments. I applied for a trade in in XX/XX/XXXX and was approved but never got the car because the company shut down. The loan moved to Westlake Portfolio management in XXXX, but I was never able to make any payments between the closing of the company and the transfer to WPM. However I had late payments reported on my credit report, then the entire history with the company was completed deleted causing my credit score to drop over XXXX points. 

WPM does not honor the warranties and has no record of my payment history to prove my payments that were made to US Auto. Instead they want me to restart my loan. Additionally, a call to the warranty company on the original contract verified that a warranty was paid for in my end but never purchased by US Auto sales. I purchased a car in good faith and the car company acted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.

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