vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I got my car and shortly after I was fired. I called my lender right away to ask about my option and they said I could do anything because I had not made 6 payments towards my loan. I explained to them that I was not going to be able to do that as of now and they said that there was no other options. I called today XX/XX/2022 to let them know I have still not found a job and I was told that my car would be repossessed and that I didn't have any options to keep my car. Every time I call to see how I'll be able to keep my car they just tell me it's too bad and that there's nothing to be done other than to pay them so they don't come get my 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 2022-07-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX**** Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
This was not mine, when I called they did not even have my date of birth attached to this account. They advised me to come here to fill out this paperwork. Representative that I called today ( XX/XX/2022 ) said that she didn't show this debt was attached to my date of birth and to dispute and send paper work to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
Few issues here : 1 ) I asked Chase to provide a proof they emailed me the preauthorization form that I requested on numerous occasions. As of now, I didn't receive their email. Please make them explain why they had to conceal my email address when providing me with the proof. I need to ensure that they have correct email address for me in their records. 

2 ) You stated that customers must notify you of any unauthorized activity involving debit card or any electronic transactions within 60 days of the first statement that the unauthorized activity appears on. You stated that for our claim number XXXX for debit card transactions with XXXX totaling {$750.00}, Chase only approved the claim for two of the transactions totaling {$61.00}. Chase denied the claim for the remaining transactions because they were not reported to them within the 60-day timeframe. 

On the claim number XXXX for debit card transactions with XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to them within the 60-day timeframe.

To make sure they only denied transections that were not reported within the 60-day timeframe, I request a list of all transection affected by the denial. They should include the date, amount and description of each transection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Consumer XXXX On XX/XX/2022 XXXX was not added to my BOA account Later found out account was closed when I tried to log in

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 2022-07-25 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: NC

Complaint narrative:
I'm requesting the unauthorized inquires be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
After careful consideration your firm that you represent " Nationwide Recovery Service has been practicing illegal credit acts. 

Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 usc 894 and carries a criminal penalty of 20 years.

The last thing Nationwide Recovery Service need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding to have the alleged entry deleted and removed from all 3 reporting CRA 's effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My BJ 's XXXX XXXX Comenity Bank ) was first declined on XX/XX/XXXX, in spite of me paying the card in full every month. Other than some generic messages about a system upgrade taking longer than expected, I have been unsuccessful in contacting them in the month since. I have tried both through their phone center and through social media to no avail. For the first three weeks, the phone center just said the office was closed and then hung up on me. Frustrated at this point as I've had to rearrange all my automatic payments that used this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Bankruptcy on credit report and is on my public records

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NV

Complaint narrative:
Bankruptcy on credit report and is on my public records

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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Portfolio XXXX is making a fraud claim on a bill that I do not owe and never was sent. In XXXX my Light Company was and is still XXXX XXXX. They claimed that XXXX XXXX has sent them a bill from XXXX ( XXXX ) for the amount of {$180.00} dollars. Then when I called Portfolio they came back and said that the bill was from XXXX. All of these years I have not ever been sent a collections letter or a bill from XXXX XXXX. A couple of years ago they tried with XXXX XXXX XXXX and found out that XXXX XXXX XXXX said that they does not even use them as there collections company. I have no past due debts on my credit file. In XXXX my name was not the name used on the letter. You can see that they is attempting to scam and defraud me. Before XXXX I was with XXXX and then XXXX XXXX XXXX. You can see that all of my bills is not in the listed name on the scam and defraud letter from them. If the debt was in XXXX as claimed, why send the letter date XXXX, and why wait 13 years to attempt to collect a debit. TX Law says 7 years in order to attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX, has Violated my rights. 15 USC 1681 Section 602 ; states, I have the right to privacy. 15 USC 1681 Section 604 ; A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open ended consumer credit plan as late for any purpose.

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 2022-07-25 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: MD

Complaint narrative:
I received an email alert through XXXX XXXX that a secure credit card was opened in my name by XXXX and it now appears on my Equifax credit report. 

I did not open this account and am stating that it was opened fraudulently and I want it closed and my name removed. I have emailed the bank in question and have a copy of the email that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aldridge Pite, LLP
State: AK

Complaint narrative:
Clear Recon Corp ( CRC ), AKA Aldridge Pite , LLP ( AP ) is illegally foreclosing non judicially on XXXX loan that was secured by a deed of trust recorded on XX/XX/XXXX in the XXXX, Alaska, Recording District XXXX and natured in XX/XX/XXXX on a XXXX XXXX XXXX alleged default stated by Clear Recon Voluntarily as XX/XX/XXXX. Unknown party referred the loan to AP for foreclosure in XX/XX/XXXX already time-barred in AK. Thereafter, CRC who can not record Substitution of Trustee to themselves also recorded Notice of Default on XX/XX/XXXX for the time-barred date XX/XX/XXXX, which notice set the trustee 's sale for XX/XX/XXXX. Due to a bankruptcy petition filed by the Consumer on XX/XX/XXXX ( XXXX XXXX. XXXX ), the trustee 's sale was postponed multiple times and eventually canceled because the statutory number of maximum postponements had been reached. On XX/XX/XXXX, the bankruptcy court granted a relief from the automatic stay to XXXX  XXXX XXXX that does not own the loan but not to XXXX erroneously allowing the foreclosure action to proceed. CRC was instructed by unknown servicer to proceed with the foreclosure, however, the file was placed on hold due to the COVID-19 moratorium. After the COVID-19 moratorium ended, on XX/XX/XXXX, the servicer instructed CRC to place a hold on the file for loss mitigation. Once the loss mitigation hold was released, CRC prepared and recorded a Voluntary Termination Notice rescinding the XX/XX/XXXX Notice of Default. A second Notice of Default was recorded on XX/XX/XXXX setting the trustees sale for XX/XX/XXXX. CRC has not responded to the Consumer regarding the CFPB Complaint and does not intend to so. Clear Recon Corp filed on XX/XX/XXXX an illegal non judicial notice of default and sale on his home with a XXXX XXXX XXXX stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages, and requests that this time-barred non-judicial foreclosure be stopped. On XX/XX/XXXX, the Consumer filed an Adversary Complaint in the U.S. Bankruptcy Court, Alaska District, as Case No. XXXX ( Adversary Complaint ) for wrongful foreclosure naming CRC and the servicer as defendants. On XX/XX/XXXX, CRC filed its Motion to Dismiss Adversary Action erroneously alleging the Consumers claims are barred by res judicata or claim preclusion. At this time, there has been no ruling issued in the action on the Adversary Complaint, and a hearing was set to XX/XX/XXXX. CRC is violating AS 34.20.070 ( a ) that clearly precluded 4th non-judicial bite of the apple after judgments have already been given in the previous 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 2022-07-26 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: OK

Complaint narrative:
The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}

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 2022-07-26 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: OK

Complaint narrative:
The Credit Bureaus have been doing nothin despite all the letters and complaints I have been submitting addressed to the Credit Bureaus. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victom of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! I have been asking proof of documents bearing my signature to prove the Credit Bureaus claims that the disputed items belong to me, and yet they sent me nothing! I have been offered help by my legal counsel to pursue legal actions byt filing a lawsuti against the Credit Bureaus and sue them for the damaged taken due to therur incompetence. I am submitting this complaint to inform the Credit Reporting Agencies that I am going to file a lawsuit against them if they still chose to not remove the disputed items from my Credit Report. If the Credit Bureaus do not want to be brought up to court due their willful non-compliance of the FCRA, I advise them them to remove the following items completely from my Credit Report at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The lenders for this car loan has violated multiple consumer laws stated in the file I have attached please have this removed or I will have take legal actions. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-07-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation