vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Requested information validating accounting, original contract with signature I have not supplied proof under 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 exists. 

They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
The loan was initially secured through XXXXXXXX XXXX and we paid that company without a problem. The loan was then transferred to XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, TX XXXX. This current month 's Statement was created on XX/XX/23, according to the bill and the Payment Due Date was literally one day later on XX/XX/23. There contained a statement that if the bill was not paid by XX/XX/23 a late fee would be charged. Loan Number XXXX is always going to be pad in a timely manner. It makes me suspicious when I receive a bill a week after the payment is due. I pay my bills on time and believe that there must be a problem with a company that issues a bill for payment one day before payment is due. Mortgage payments that are late impact credit scores and ours is very high. I want them to stay that way. Should there be a requirement that statements be issued a reasonable amount of time before a bill is due, certainly more than just one day.

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 2023-10-10 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I checked my credit report and saw unauthorized inquires on my report onXX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The derogatory and inaccurate comments left by the creditor are inconsistent. The 30, 60 & 90 days comments on all 3 credit reports are inconsistent and inaccurate. Also, the balance being reported to all 3 agencies are inconsistent and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have tried for 3 months to cancel my life insurance policy and my company was sold and may be sold again I could not find a phone number for my policy the company that was drafting me and I then called Chase and they gave me the wrong phone number for the insurance company, I then stopped the draft and reversed/disputed the most current payment from the Insurance company and Chase gave me the funds back than a month later took it out of my account again. I called Chase to ask them why and all they said was to bad that is our decision. They would not give me a reason why. I have a right to cancel my policy and I have been trying for months to do that and could not get ahold of anyone and Chase gives me the wrong number and they don't want to help me. XXXX at Chase on XX/XX/23 at XXXX hung up on me and would not help me. Was very rude. I don't understand why am I paying for a policy I didn't want and couldn't get a hold of the company to cancel. I called Chase twice to ask them what to do. 
It's not fair and not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Freedom Credit Card application fraudulently submitted XX/XX/2023. I called to cancel the application on XX/XX/2023. Another fraudulent application was submitted for a Chase Freedom Credit Card on XX/XX/2023. I called to cancel that application on XX/XX/2023. Another fraudulent application was submitted immediately after I cancelled that one, so I am calling Chase again as soon as I submit this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: KY

Complaint narrative:
I tried to access my EdFinancial Account to check on the status of my XXXX application on XX/XX/23. I kept getting a message that my login information was wrong, even though it was not. My account was then disabled with an Error Code 100. I tried to contact someone via the chat feature, but live chat has been disabled. I can not reach anyone via telephone. I tried to use the Email Us feature on the website, but that keeps timing out with a Bad Gateway error. I realize they are busy with payments starting back up, but their customers need to have access to their accounts to plan accordingly. I provided them with the tax information they requested and haven't heard anything from them in several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to Transunion/XXXX regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet TransunionXXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
On XX/XX/ I received a credit monitoring alert that two new accounts were reported on my credit report. I logged in to view the information to find two student loans that were opened in my name. one for {$2000.00} and the other for {$1100.00}. ( I have never attended college or a trade school ) I contacted the bank who serviced the loans and they were no help and said to wait 7-10 business days for a letter to come in the mail. I contacted the school XXXX XXXX XXXX, in XXXX WA. They told me the suspect also received federal and state grants in my name. They refused to discuss any details of this with me nor did they even want my information to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
The account is showing as negative/late payments. The XXXX XXXX Credit Card account has been paid for and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The account is showing as negative/late payments. The XXXX XXXX Credit Card account has been paid for and closed.

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 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
CybrCollect, a collection agency, showed up on my Credit Report and it is a claim that I owe USPS {$550.00}, but I talked to USPS and they don't do collections for XXXX XXXX es or anything like that. 

I also never opened a po box , or had any other services, involving that much money as claimed in the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I have a problem with XXXX. I did the document early. I dont know if it went through or not.

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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, My mortgage account XXXX was transferred from XXXX XXXX to XXXX. 
I found out about the transfer upon logging into my XXXXXXXX XXXX account and seeing the loan was transferred notification with no any further information. 

Ive made XXXX attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused. 

Im looking forward to your timely response. 

Kind regards, 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 2023-10-10 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: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I bought a new car, so I called bridgecrest to get final payoff. I was told final payoff would be {$16000.00} if paid by XXXX XX/XX/XXXX or incurred a fee of {$2.00} a day. My regular monthly payment was made on XXXX XX/XX/XXXX & final payment of {$16000.00} was made on XXXX XX/XX/XXXX, so, I should have received a refund ( roughly {$320.00} ) due to an overpayment. I waited to receive a confirmation from them, but did not. I called to inquire & was told that there are no notes in my account indicating an overpayment or a refund due. They advised me that would have to research. I don't understand why the refund was not immediately processed when they received the payoff. I escalated my complaint to consumer service to inquire about Bridgecrest procedures for processing refunds, but was not given any process. I believe if I hadn't called, I would not receive a refund & my concern is how many other consumers are not receiving money owed if they don't call. Is this a common practice or an oversight? My case should be investigated to determine if this is a trend with Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
After the closing of US AUTO SALES I discovered my warranty that was paid for upfront was void. The monthly state insurance was never valid. Westlake financial is now repossessing my vehicle. I am unable to use my purchased warranty any further. Also, according to the county I reside in, my insurance was never valid. I contacted westlake once I became aware of them purchasing my loan. The representatives were extremely argumentative and threatening legal action. Their only offered solution is repossession of my vehicle. I asked to be transferred to the escalation team or a supervisor. I was denied that request multiple times. There has been XXXX communication between us auto sales since closing their doors. Westlake financial calls me roughly XXXX times per day. My entire contract was violated and now they are only offering the solution of repossessing the vehicle I paid for. I was never behind on payments with us auto sales. I have a XXXX  XXXX XXXX that was purchased in the beginning of XXXX. The most recent representative at Westlake financial laughed and berated me when I asked for the next steps or some guidance. When I requested further assistance he asked for what and stated he was unable to transfer me anywhere. He suggested I go and watch for the repo truck. I have been unable to reach anyone at US AUTO SALES for any help.

Company response to consumer: Closed with explanation