vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly request the three major credit bureaus to cease reporting the following account information to my credit profile, in accordance with my rights and relevant laws. I am also seeking to understand the legal protections available to Americans in relation to debt collectors and reporting agencies. Below are the account details : Creditor : XXXX XXXX ( XXXX ) Amount : {$1400.00} ( Negative ) Round : XXXX Sent Account Information : Account Number : XXXX Status : Closed Credit Limit : {$0.00} High Balance : {$1500.00} Payment Amount : {$0.00} Last Payment : Not Available Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Charge-off Past Due : {$750.00} Worst Rating : Not Available Remarks : Charged off as bad debt Canceled by credit grantor In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I am interested in understanding the legal provisions that safeguard Americans from the actions of debt collectors and reporting agencies. Your assistance in this matter is greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: SC

Complaint narrative:
I purchased my car on XX/XX/XXXX, US Auto Sales close without giving any notice, and sold my information to Westlake as a debt collector without a warranty on XX/XX/XXXX. I still make payment as if I still have a warranty with it but it's no warranty. They are rude and hassle to the customers. When I bought the car amount was XXXX on the car of the car but ended up with XXXX dollars. I have my original paperwork. They charge me XXXX on the vehicle with {$500.00} for infrastructure maintenance, XXXX  insurance {$790.00}, a Service contract of {$2300.00}, a Title fee of {$15.00}, registration fee of {$40.00} leaving with a total of A {$23000.00}. I put down XXXX and then deferred a down payment of {$860.00} with a total of {$2200.00} down payment. The annual percentage rate is 19.19 %, the finance charge is XXXX, the amount financed is XXXX, the total payment after all is paid is {$37000.00}, and the total sale is {$39000.00}. I pay {$250.00} a month for a XXXX XXXX XXXX with a blue book price of {$9400.00}. I didn't sign paperwork for this debt collector cause US Auto Sales closed and wasn't notice anything. They just sold my information and now the price I own is {$22000.00} for the car. The XXXX or XXXX XXXX  retail is 168 %. I have built XXXX, panic attacks, and XXXX because I need my car fixed with no a/c or heat in the car. So, we have to be in a car I pay about {$500.00} a month with my a/c, and it's hot in the car. I paid a lot of money down, I'm a single parent of XXXX  kids and don't have money to throw away. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One failed to provide me documentary evidence requested ( 15 U.S. Code 44 ) and 15 U.S Code 1666b ( 2 ) regarding a billing error dispute. They were sent a billing error dispute on XX/XX/2023. They did not respond with requested info. I sent them another letter regarding a intent to arbitrate letter and they did not comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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:
In XXXX I bought a XXXX XXXX XXXX  from US Auto in XXXX, Georgia. Early in XXXX of XXXX, the transmission went malfunctioned completely to where the car was and still is undriveable. I tried to contact US Auto to get the car fixed with the warranty, only to find out the dealership went out of business and later sold my loan. I can not reach anyone from US Auto and the new debt collectors will not honor my warranty. This has greatly affected my life as my main job was food delivery. Without a vehicle, my income has been cut tremendously and I have no idea what to do.

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 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Back in XXXX, US auto sales force me to buy another car when the first car I had engine blow out. They threatened me for 2 weeks forcing me to chose a car that I didn't want. They told me either I can get a new car from then and start all over and lose all the money I put in the first car or keep the car with bad engine and they will get a use engine for me. I have had 2 different cars from us auto and have been to the shop over 7 times with both cars. My new car They forced me to buy starter went out and they didn't even pay for when I had insurance on it. I was forced to get a used XXXXXXXX XXXX XXXX with a car payment of XXXX every month is crazy. And I see the business went out of business because they was scamming me and other customers. I need help with the problem. The XXXX switch my car plenty of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

XXXXXXXX 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 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXX XXXX decided to send my account to yet another collection agency : Midland Credit Management. I submitted a letter to XXXX, to Midland Credit Management, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to Midland Credit Management at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. Midland Credit Management says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get Midland Credit Management to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
International Wire transfer was not handled correctly. 
On the fourth of XXXX, 2023 at XXXX pm. traveled from XXXX XXXX to XXXX XXXX Texas. Was told I had to go into the bank personally to make a wire transfer for which I was told that if I personally it would take no longer than 24 hours. 
The wire transfer never made it to the bank indicated and I was not told or notified of wire transfer being returned to my bank until the XXXX of XXXX, for which I had to call to see where the funds had gone. 
This clerk error cost me XXXX dollars to travel to an from the bank an housing cost. An XXXX dollars for wire transfer plus XXXX dollars for transaction error and now XXXX dollars to place the complaint. It also caused me to lose the business transaction for what it was needed for. when at the bank I went to a desk employee an was told the window clerk would be able to handle transactions for me. I went in on the XXXX of XXXX and the receipt of the transaction was dated the XXXX of XXXX. 
It also caused me grave hardship for a clerk error and my time. 
Total of XXXX. 
We also called several times during the process to verify that transaction had been down properly. Gave bank account several times, entered bank routing several times and the bank employees stated that everything was in order an that it should be there again by next day, And next day never came. 
For this reason I feel that I should be refunded my fee of XXXX dollars for wire transfer, XXXX dollars for error transfer fee and for XXXX dollars for dispute of transaction error of XXXX. I know that the travel XXXX not be included of XXXX but if I knew that this transfer could of been done over the website because it took the same length of time in office or on the website, I would not have to have traveled all the way back to XXXX XXXX Texas as told to do so by a bank office member. 
For this again I am placing a complaint for bank error, bank mistrusted information and for hardship caused again for trusted bank information. 
I have attached paperwork used for wire transfer and receipt of confirmation for wire transfer that was done at the branch office in XXXX XXXX Texas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I joined XXXX XXXX XXXX back in XX/XX/XXXX. I settled an account through XXXX XXXX XXXX in XXXX of XXXX from XXXX XXXX XXXX, that has been paid off in full. XXXX XXXXXXXX XXXX decided to send my account to yet another collection agency : XXXX XXXX XXXX. I submitted a letter to XXXX, to XXXX XXXX XXXX, and to my TX Attorney general 's office showing proof that this was paid off, but it somehow comes back as verified. This is NOT True! Please help assist in getting this account removed from all of my 3 bureaus. No has been able to help me. I sent a certified receipt return letter to XXXX XXXX XXXX at their address and they DID NOT respond to my request. I have been battling this issue since XX/XX/XXXX. XXXX XXXX XXXX says that it was opened last year XX/XX/XXXX. But I paid it off through the XXXX XXXX XXXX program in XXXX of XXXX. I get the run-around. I just need this removed. I have a handful of accounts with the XXXX XXXX XXXX folks and they are not really helping me either. If this one does NOT get resolved then I may not continue with XXXX XXXX XXXX! ) They say that they are going to look into it and then never do! I am at a loss on what other steps that I need to take to get some answers and get XXXX XXXX XXXX to comply!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
U.S. auto sales repossessed my vehicle not even past due. I paid for gap insurance my car was totaled they are still requesting the fees through west lake portfolio. Which is affecting my credit and ability to get a new car.

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 2023-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK
State: SC

Complaint narrative:
I have tried many times to open a savings account at XXXX XXXX XXXX  and they are keep saying unable to process your application at this time. I have reached out to them and they are saying they do not know the reason because account opening process is automated. I had a lock on my credit file because my information was stolen during XXXX XXXX breach . Vio Bank told me I should unlock my credit file and re apply. I did that and still not able to open an account. my credit score is XXXX. Vio told me that i can try 3 times a day to open an account. I did many tries and now on my XXXX i see all of those tries.

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I respectfully urge Equifax and the major credit bureaus to promptly cease the inclusion of the specified entry in my credit report. It is my earnest request that you not only take immediate action to rectify this matter but also emphasize the importance of adhering to the laws established to safeguard American citizens from the practices of aggressive debt collectors and to ensure equitable conduct by credit reporting agencies. 

The detailed entry pertains to the following information : Creditor : XXXX XXXX Account Balance : {$12000.00} Account Status : XXXX XXXX XXXX Sent Account Number : XXXX Account Status : Closed Credit Limit : {$0.00} Highest Balance : {$27000.00} Payment Amount : {$0.00} Last Payment Date : XX/XX/XXXX Term : 76 Months Account Description : Individual Opened On : XX/XX/XXXX Closed On : XX/XX/XXXX Last Reported On : XX/XX/XXXX Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Collection/Chargeoff Amount Past Due : {$12000.00} Lowest Credit Rating : Not Specified Remarks : Account charged off as uncollectible debt Write-off : Classified as a loss in profits In accordance with 15 U.S.C. 1681 Section 602 A, which asserts my right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2, which mandates the need for my written consent before disclosing account information, I implore your diligence in rectifying this situation promptly. Moreover, adhering to the stipulations of 15 U.S.C. 1692C, I emphasize that any communication related to debt collection must have my prior consent.

I kindly request your full cooperation in addressing this matter with a sense of urgency, while ensuring strict adherence to the pertinent consumer protection laws. Your commitment to rectifying this issue and upholding the principles of fair and lawful conduct is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

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 2023-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I tried to contact IQ Data International via express mail. The first round I sent on XXXX via mail. I never got a response back. I then sent another letter via USPS express mail on XX/XX/2023. As of today XX/XX/2023. I never got a response back validating the debt that I sent to them. Informing them to validate the debt that they accused me of owing then they decided to add fees to the debt and continue to contact me via phone. After I sent out several letters and telling them to contact via mail they have on file. They never got back to me. After I sent the letter via mail they immediately put it on my credit report falsely accusing me of owing or misleading stating that I owed money they never sent me any correspondence back in regards to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit systems refuse to provide any information stating that I owe a debt. Refuse to provide any judgment against me. I have been disputing it, and it keeps coming back as verified on XXXX, XXXX, and XXXX, with no evidence that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: SC

Complaint narrative:
I've disputed, several times, via XXXX XXXX and Ceritified mail, that certain entries on my reports with Equifax, XXXX and XXXX were wrong and demanded that they be removed. Neither company has resolved the issue. I also have accounts that do not belong to me still listed on my reports. Some info is as follows : XXXX XXXX XXXX  - Date Opened and Account Amount Equifax XXXX XXXX  - Date Opened and Account AmounXXXX XXXX - Account closed and still reporting active payment history. 7 years since first reported. 
XXXX XXXX - Account doesnt belong to me Accounts without creditor information XXXX  XXXX - Account listing erroneous late payment XXXX XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX Account doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 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: NJ

Complaint narrative:
on XXXX XXXX, Chase bank issues an updated policy titled " Chase digital service agreement ''. The file is XXXX pages long, and is full of technical jargon and details that are difficult to read and understand. Additionally, Chase is REQUIRING the user to fully accept the agreement, or the user will no longer have access to use any online features. ( Banking, reading statements, etc ). 

This action is extremely restrictive and is forced on the user with no choices to accept or lose use of the app and its functions, which for many people, is their only way to perform most if not all of their banking needs. This action takes any and all choice away from the user, except for " comply or get out ''. This unfair business practice leaves the user handcuffed and unable to do anything to maintain our rights as consumers with regard to policy changes. Chase knows that 99.5 % of people will blindly agree to this, knowing that the XXXX pages of details are WAY TOO MUCH for people to read or understand, and in this way forces whatever policies and requirements on a unknowing consumer just to fit the needs of the bank, and giving nothing but rules and restriction to the people they are supposed to be serving. 

I see this as a strong armed attempt to force the user to follow their demands without any concern for the consumers rights and freedoms. This must be investigated.

Company response to consumer: Closed with explanation