vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-21 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 entered into a contract with US AUTO SALES on XX/XX/XXXX for a XXXX XXXX XXXX. I saw on the news the company closes not knowing where to go for additional financing who to call. The last conversation I had with US AUTO SALES I updated my contact information which is my phone number and a relative address because I reported staying in hotels with my kids and was told a portion of my loan will be deferred. I actually got an email from Us Auto sales XX/XX/XXXX saying my deferment was approved. I got an email from a new company westlake financial and tried several times to reach out to them to gain clarity no answer from the company. The email sent says no reason to call just make payment by creating an online account when trying to create and online account I could not because my contact information was never updated. Everytime I reached out to westlake the phone rung for a long time and when a person finally picked up the phone they immediately hung up the phone. Now today my car was finally repoed and when pressing the option for repression I was able to talk to some one who told me I had to pay $ XXXX today to get my car back. Admitted to not having proper contact information to contact in the matter but Im still out of my car I paid for in the last 3 years. I offered to pay {$800.00} today and in two weeks to retrieve my vehicle. I also asked the tow company who took my vehicle so that I can retrieve my personal property inside the vehicle was given a number that I called all day no response. I have another phone that was inside the car at the time of tow which I was able to track the location up until the phone died which led me to a sheriff station where the tow truck rode by which told me near by repo yards in that county. Although my car was not at any of those tow yards they led me to call XXXX XXXX ncic to see who retrieved my vehicle. I have still been unsuccessful with collecting my personal property have not be able to speak with anyone else from westlake financial or the recovery company they say they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Incorrect personal information on 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 2023-08-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 and XX/XX/2023 XXXX fraudulent charges were made in my TD bank Visa card in the amounts of {$2200.00} and {$1900.00}. I saw the charges on the XXXX and immediately called the credit card customer service to report the fraudulent charges and locked my card. The charges were made by some XXXX XXXX in Colorado. I live in XXXX XXXX and have never been to Colorado nor have I left the XXXX XXXX since XXXX. A charge in XXXX XXXX, NJ ( where I purchased gasoline ) was the last purchase I approved and made ( this was made the same day the charge in Colorado was made ). I also informed the credit card company that I never received any type of call or text to approve such a large amount of charge, which most companies do. I have not made a charge that large on that card and that shouldve raised a red flag on their end. They temporarily refunded me the amount and then recharged the amount saying the charges were made chip on chip. I have called numerous times since XXXX to keep reporting and stating that I never made that purchase and keep requesting documentation of their proof because I can prove I was never in Colorado I was at work that day in NEW JERSEY. Its been 3 months now and several calls to them and nothing has been resolved nor I have received any documentation of how they came to the conclusion that the purchase was not fraudulent. Ive had the account for several years now and have never reported a fraudulent charge or tried to get away with something like this. My card is accumulating interest now on a charge I did not make and my credit score has dropped because of this lump of debt sitting there. I am extremely frustrated and upset and do not know what else to do to resolve this issue. I did not make these purchases that add up to over XXXX XXXX dollars and I demand to be reimbursed. I have never in my life experienced such terrible customer service or stress from a credit card company that is refusing to help a loyal customer that is a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I applied for the PSLF and received a letter from Fedloan Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) XXXX XXXX. of XXXX owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, XXXX, and XXXX has been a nightmare. I am unable to log onto XXXX becasue XXXX now has my loans, which should have gone to XXXX, and XXXX said I needed to talk with XXXX. XXXX told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. 
I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on XXXX 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXX of XXXX! I have the account number assigned to my Dept of Ed Fedloan 's letter dated XX/XX/2021 but I have not been able to reach XXXX ( and now the Dept. of Ed Fedloan 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX  that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
They took mommy money and put me in the negative when I shouldn't have been

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
On XXXX an electronic payment was sent to PHEAA ( address XXXX XXXX XXXX XXXX XXXX MO XXXX ) for {$4500.00} and processed on XXXX. 
PHEAA was my old loan servicer. 
I have submitted a complaint with Federal Student Aide to determine the status of this payment and can not get any information regarding this payment. 
The payment has not been transferred to my loan provider nor has it been refunded back to me. 
They keep providing me with general information which does not help with locating this payment then getting it to the correct provider. Interest and payments are set to resume in less than 2 weeks and no one will give me any information about it. The payment will pay off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

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. 

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 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 : 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I applied for the PSLF and received a letter from XXXX Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) US Dept. of Ed owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, Mohelia, and XXXX has been a nightmare. I am unable to log onto Mohelia becasue XXXX now has my loans, which should have gone to Mohelia, and XXXX said I needed to talk with Mohelia. Mohelia told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. 
I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on Mohelia 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXXXXXX XXXX XXXX I have the account number assigned to my Dept of Ed XXXX 's letter dated XX/XX/2021 but I have not been able to reach Mohelia ( and now the Dept. of Ed XXXX 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX that I can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The name of the company is early warning that most banks use to determine if somebody is eligible to have a checking account with them it happened when I had a checking account with what was then XXXX compass Bank I was a victim of identity theft somebody sent me a check I deposited it and waited for it to clear I then paid some bills and was alerted by the bank that the truck was bad so I went through the process of even getting a loan for over {$4000.00} to pay the bad check they then asked me to leave the bank and they put that bad report on my report with early warning and ever since I can't even get a bank account even at the credit union that I used to be with I'm not sure what the dates were it was over 4 years ago and since then I've tried to get with XXXX compass bank manager and then I never heard from him after I asked for help I need this removed now before I get married and have the embarrassment of telling my fiance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/ I submitted a claim ( claim # is XXXX ) with my bank Wells Fargo as there was 3 charges from XXXX of {$230.00} totaling to {$690.00} I did not approve. I wanted these charges reversed I did not authorize this sell in my checking account. I reached out to XXXX and confirmed from them that these charges were never made in my account ( XXXX account ). Please see attachment below named " XXXX Customer Service '' for proof from XXXX that I myself never made these purchases. 
On XXXX My claim was cancelled by my bank Wells Fargo and I called the claims department to reopen the case. They made me send an email to XXXX and reopen, within the email I also attached the same email from XXXX you see attached to this complaint below.

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 2023-08-21 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: AL

Complaint narrative:
I have filed 6 disputes over 3 years with equifax to have a charge off account show as closed on my credit report. No matter how many times I show the account is closed, it remains open with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2023-08-22 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 non-monetary relief
Consumer complaint received 2023-08-21 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: MD

Complaint narrative:
To Whom It May Concern : My Identity has been stolen. Please help to remove these fraud hard inquiry items ( XXXX XXXX, XXXX XXXX ), & ( XXXX XXXX  ). I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few HARD INQUIRIES that I wanted a little more explanation on ( XXXX XXXX, XXXX XXXX ), & ( XXXX XXXX  ) and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRY ACCOUNT ITEMS LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE HARD INQUIRIES LISTED BELOW NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Hard Inquiry Account Item : XXXX XXXX, XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Hard Inquiry Account Item : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Thank you for your time and help in this matter. Sincerely, 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 2023-08-21 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: DISCOVER BANK
State: KS

Complaint narrative:
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: AZ

Complaint narrative:
After closing my checking account at US Bank, US Bank fraudulently reopened a checking account in my name and continued to service the account and sent me statements starting XX/XX/. I closed my account with US Bank on or approximately XX/XX/. The account is still open at this time,

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 2023-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I opened this loan and was paying it back in installments every 2 weeks. I fell upon hard times and had to stop paying. My roommate left me high and dry and had to full rent on my own. I tried to make arrangements with them but I couldnt afford what they were offering. Id be paying for the rest of my life with the interest rate they charge with the amount that I can afford to pay. Im afraid that theyre going to take me to court or empty my bank account to recover their funds. Im not refusing to pay. I just cant afford to pay what they are proposing which is what Im behind on which is over {$1100.00}.

Company response to consumer: Closed with explanation