vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
Global lending I had a passed due balance of XXXX 3 months behind I asked for deferred payments because I lost my job and I have a XXXX XXXX XXXX child. Nobody gave me a chance and I was being pressured to still pay the balance. I was NEVER warned that the car was going to be picked up for repossession. I woke up and my car was gone I was told that I had time pay off the balance so I can get my car back. I Called the car lot and the car was sent to the auction weeks from the actual date so I can get it back. it was sent off XX/XX/2023. the action date was XX/XX/XXXX. I had until the end of XXXX. this is ridiculous and unfair to me. now the car went to the auction and now I have a closed account with repossession on my credit report. I lost my job and I have a XXXX  I am currently struggling financially with only receiving with XXXX $ from unemployment and I have rent to still try to maintain. This is terrible and I feel like they have scamming tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove this inquiry, I have no knowledge of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Please remove this inquiry, I have no knowledge of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX and XXXX XXXX are not responding to any of my requests to provide me with the documents with the original signatures.

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 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX  XX/XX/2023 Requested proof of debt validation from company and did not receive any 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 2023-10-03 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National credit adjuster reporting account Im not aware of Ive wrote letters multiple times no one has responded back and my credit profile has been compromised multiple times this year and over the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: I.C. System, Inc.
State: IL

Complaint narrative:
To whom it may concern, I XXXX XXXX have been a victim of identity theft and fraud, as a result of erroneous incorrect information I have suffered a financial loss significantly. I have tried contacting all of these creditors to provide information or validation and I have never received any supportive documentation that proves I am liable or consented to any service or good these companies offer. Please remove this incorrect information from my credit report. 


The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$650.00} Date : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine IC SYSTEM INC Account Number : XXXX Amount : {$560.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$1200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX  XXXX XXXX Account Number : XXXX Amount : {$200.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX  XXXX Account Number : XXXX Amount : {$1100.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$8300.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX Account Number : XXXX Amount : {$0.00} Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
The financial institution sent me documents that had the loan numbers and addresses mixed up on my properties. None of the amounts due on the payoffs match the payment histories. They also told me on several recorded phone calls that after receiving a divorce decree they would remove my ex husband from the loan. After receiving this decree, they refused to remove him. They have had me resend the document at least XXXX times and they have not removed him. They have communicated with him and accepted loan modification documents without me. They removed the loan from his credit but they wont remove him from the loan. He is not on title and this has also been sent to them. It was incorrectly recorded originally. The company has been asked to review all of the loans on my XXXX properties because I had mortgage insurance that paid off the loans if I defaulted. The XXXX  number in the loans states the loans dont exist. The note is with a different bank. My loans have been transferred from bank to bank. I had 100 % financing on one property with XXXX who when they closed there business permanently merged my first and second and transferred the loans to XXXX. My loans were inflated {$990.00} XXXX times in XXXX day with no reason. My loans were inflated hundreds of thousands of dollars several times. There was an assignment from XXXX to XXXX XXXX for my second loan XXXX years after XXXX closed their doors. I was able to get XXXX bank to reconvey that loan because it was fraud and they eventually did because I threatened to report them to the government as another bank on the list of predatory lenders. I filed bankruptcy and all my loans were discharged and they are still threatening foreclosure. I asked them to review the loans and gave them specifics as to why the loans are paid off already and their response was sent to me with the loan numbers mixed up with the wrong addresses. The payoff histories have the addresses mixed up also and at XXXX point all the properties have the exact same payment and balance due on the same date. They gave me principal reductions and reversed them. On XXXX property they foreclosed without notice during a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-04 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: Experian Information Solutions 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.

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 ) ( 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.

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 2023-10-04 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: Experian Information Solutions Inc.
State: NM

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.

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 ) ( 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.

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 2023-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
On XX/XX/2023, I made a online payment of {$73.00} to Titlemax. I then went to the store located at XXXX XXXX XXXX, XXXX, XXXX. I made a cash payment of {$550.00}, The amount due was {$620.00}, which is what my payments totaled, My payment was not due until XX/XX/XXXX. A few days later I started to get calls from Titlemax, I told them that I already made my payment. The manager wanted to know when did I make it. I informed him that it was made on XX/XX/2023. He then informs me that my signature didn't go through. I asked him to stop calling me. I had made my payment on time. The calls continued. I then went to the store, receipts in hand. He again tells me that my signature didn't go through. I again asked that they stop calling me. I have received calls on a daily basis. I called again and asked that they stop calling me. The young lady that I spoke with said that she would note this to my account. The calls continue on a daily basis. I went again to the store and spoke again to the manager. I told him to stop calling me. I told him to stop harassing me. He left a voicemail threatening to take my vehicle. He said it was an IT issue. He then tries to pressure me into making another payment. This was XX/XX/XXXX. I told him I would not make XXXX payments in XXXX month. He said that's not XXXX payments in XXXX month. I told him absolutely not. He did this XXXX times. I told him that I would file a complaint. He said I can not in the state of Alabama. I told him that I can, and I will. The calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: NJ

Complaint narrative:
I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it XXXX you an inherent right to make such determinations. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am willing to extend XXXX final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system 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 2023-10-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP
State: NJ

Complaint narrative:
I had a private student loan with XXXX that was then transferred to Forster & Garbus. They repeatedly called my home and place of work and then one day I received a later in mail that my paychecks were being garnished. A few years passed and they constantly called and sent letters for inflated amounts owed. I recently started paying them again in fear that they would garnish my wages again. This has been going on since 2010 and is a bit ridiculous at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I completed a balance transfer application for XXXX Chase Visa through XXXX XXXX  XXXX. The fine print advised there was no guarantee of approval for the transfer or amount requested. Within a couple of days, the card showed up on my chase app. There was no email or account notification of the balance transfer in process. The XXXX account did not have an alert. I checked on several days. Believing i was only approved for the credit card which showed {$0.00} due, I reviewed what balance transfer offers were available. My XXXX Chase Visa  offered a balance transfer at a 1.99 %. Still a good rate I applied. The XXXX Chase account processed a {$12000.00} balance transfer on XXXX. Today I see the XXXX Chase card processed a balance transfer with no communication or alerts. Now I have 2 balance transfer fees. I called Chase Visa. They advised there was nothing they could do. I requested to speak to a manager and was told it was my fault and should have assumed the XXXX Chase card would transfer the balance. It did not matter if communication was not provided. The man refused to listen to me and hung up on me. I called XXXX for the XXXX Chase card. They assisted with the XXXX card as well. They are somehow tied together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I would like to have these items removed off my credit report, These negative inquiry items are messing up my report & section law 15Usc of code.It should has to be removed.

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 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
The mailed statement had the account information on the left side of the page and a misleading statement " Your Payment Is Past Due '' on the right side of the statement. I called them and they said that was just an add. That's very misleading and has likely caused other customers to make additional payments ahead of the regular scheduled payment. This is for a KiaFinance loan.

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 2023-10-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I received a Vanilla gift card as a wedding gift but the last 4 digits are scratched off so I am unable to use it. I reached out to Vanilla customer service and informed them that it was a wedding gift and we received many of these cards and do not have a receipt. I also don't know who gave this specific card as we received many of them. They requested my driver 's license and a picture of the card, and receipt. I provided a picture of my license and the card, but I reiterated to them that I do not have the receipt as it was a wedding gift. The customer service rep confirmed there was {$250.00} on it. I don't even need a new card, I would be fine with knowing the last 4 digits so I can use it online, but they have continued to ask me for the receipt.

Company response to consumer: Closed with explanation