vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 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: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
Consumer Portfolio Services is reporting an Account on my XXXX Report without my Consent. XXXX and the Reporting company known as Consumer Portfolio services is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( XXXX ) of the person spoken to, documentation used, signed application with consumer wet ink signature. XXXX is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX On XX/XX/2022 I bought an office chair from XXXX using my XXXX  XXXX XXXX Card from XXXX Bank XXXX Months later, Synchrony sold that credit card business to Barclays Bank XXXX and the XXXX  XXXX XXXX became a Barclays XXXX XXXX XXXX Sometime in the fall of 2022, the office chair broke and there was no possible repair. XXXX, via its marketplace vendor, issued me a full refund of {$210.00} for the broken chair. The refund went TO THE ORIGINAL CHARGE card, which was a XXXX  XXXX  that no longer existed. 
XXXX. I talked to XXXX and they said they HAD to refund to the original charge card. 
XXXX. I talked to XXXX XXXX  and they indicated the sold the ENTIRE card business, with assets and liabilities, to Barclays, and that it was their responsibility to issue the credit. 
XXXX. I wrote to Barclays and while they investigated, they issued a credit on my new XXXX XXXX XXXX for the {$210.00} XXXX. Suddenly, they charged me the amount again saying that I was " outside of the permitted timeframes to continue this claim '' XXXX. I contacted XXXX and XXXX and they indicate it is Barclays responsibility to issue the credit. 
XXXX. Barclays has refused TWICE, in writing, to issue the refund even though I have provided thorough documentation. 
XXXX. SO basically, some financial entity is keeping my refund and nobody is assuming responsibility for my reimbursement. I told Barclays I was filing a complaint with you and they didn't care. 
Thank you

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 2023-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing has once again failed to properly apply a mortgage payment. In this case, the payment is the final payoff payment on the mortgage. The payment was due XXXX. I was unable to make the payment online as I had always been able to do. So, I learned I needed to request a payoff statement. I requested the payoff statement on XXXX. I received the payoff statement on XXXX. I mailed the required cashiers check in the amount of the payoff amount on XXXX. Specialized Loan Servicing received the cashiers check of {$970.00} on XXXX. The cashiers check cleared XXXX XXXX Bank on XXXX. Specialized Loan Servicing has since mailed several requests for payment of this amount and called me several times for payment even though they had received and deposited the cashiers check. I spoke with someone at Specialized Loan Servicing who found that the payment had been made, and who said that Specialized Loan Servicing would be filing a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing has failed to file a Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX Specialized Loan Servicing has reported this mortgage payoff payment as over 30 days late to the XXXX XXXX XXXX. 

My XXXX XXXX of XXXX with XXXX has dropped dramatically to XXXX. I am not aware of what my credit scores are with the other XXXX XXXX XXXX. 

My online account with Specialized Loan Servicing still does not show that this payment has been made.

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 2023-01-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was incorrectly overcharged by {$1200.00} by merchant XXXX XXXX on XX/XX/XXXX, and have an email from XX/XX/XXXX where the merchant agreed I was overcharged by {$1200.00}. The merchant said they would issue money back and I asked them to resolve via the Chase dispute process based on advice from the bank. Chase denied my claim on XX/XX/XXXX so I provided the merchant documentation to Chase and reopened the claim on XX/XX/XXXX but they denied it again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Called me 7 times at XXXX XXXX  on XX/XX/23. All seven calls were made in less than a minute. I had also previously told them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: TN

Complaint narrative:
On the date of XX/XX/2021 the amount of {$4000.00} was used for a down payment of a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. 
XXXX XXXX XXXX Simons Agency Inc Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
there was on unauthorized garnishment of my joint account violating my privacy rights under 15 USC 6801 ( a ) privacy obligation policy written by XXXX. My rights were further violated under the same code causing harm 15 USC ( b ) ( 3 ). I was not disclosed which is required under 15 USC 6803 ( a ) ( 1 ) ( 3 ). Under 15 USC 6802 a financial institution may not, directly or through any affiliate disclose to a nonaffiliate third party any non public information, unless such financial institution provides or has provided to the consumer a notice. I was not the subject of any garnishment so my personal information must remain private under all circumstances. under the XXXX XXXX XXXX sec. 503 ( a ) ( 1,2,3 ) my non public information is to be protected under the law.

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Our new ATM cards were mailed to us by regular XXXX mail, without a warning from the bank that the cards had been sent, then they were somehow stolen from our communal mailbox after delivery. The cards were activated by a third person then used at a casino for over {$1000.00} on XXXX XXXX XXXX After a fraud report was filed with USAA, they credited our account back for the amount fraudulently spent. We also contacted the police after the theft and have the case number available. 
XXXX XXXX XXXX USAA took back the credit for the stolen money, and without ever having contacted us, they alleged that the use of the card was not fraudulent because it was in the general geographic area where we live. 
We contacted USAA to ask about the fraud report and spoke to a representative almost XXXX later. The representative said that the person who used the car did so as an authorized user. They said that the person who stole the card called USAA to activate it and the bank, for some reason, added him to our bank account without any other information. We resubmitted our fraud claim with this new information XXXX We are still missing $ XXXX from our bank accounts and have spent over XXXX hrs on the phone or email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 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: CA

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 Bank XXXX XXXX XXXX XXXX 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/ 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 XXXX years. 

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 non-monetary relief
Consumer complaint received 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.

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 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
My mortgage company is PennyMac and they told me that the contract for the loan was constitutionally acceptable. They continue to make me pay for a fraudulent contract when lawful money does not exist. The Government is required to pay for everything until the return of lawful money, it is public law. Every Mortgage company in America enables and enforces peonage. Turning the American people into debt slaves, pay or they will hinder/ruin your livelihood. Since the mortgage contract is not constitutionally backed and I am a natural person with all rights reserved, without prejudice and not a legal/fictitious person ( fake ). I want my house deed and the lein released off my house, because the constitution rules and common law is the supreme law of the land. A legal contract only apply to a legal person. Considering I am a real, natural person and not fictitious, the legal documents do not hold jurisdiction or power over me. I am also aware of the definition for 'personas ' and the philosophy behind the creation of a legal and fictitious person. I have also paid over XXXX XXXX dollars towards a XXXX XXXX dollar house and still owe XXXX XXXX dollars. usury anyone?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bridgecrest ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with Bridgecrest for a payment deferment on my car loan. However, despite this agreement, Bridgecrest has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), Bridgecrest is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, Bridgecrest is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that Bridgecrest be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Tesla, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I signed a 3-year lease for a XXXX XXXX from Tesla. On XX/XX/XXXX, Tesla sent a driver to my house in XXXX XXXX to pickup my leased XXXX  XXXX and dropped off a new leased XXXX XXXX. Because of Covid, everything was done online and remotely ; I did not have the option to return the XXXX  XXXX to the dealership or ask for an inspection of the XXXX XXXX I completed all lease payments toward the XXXX XXXX before it was picked up. 

On XX/XX/XXXX - 595 days / almost 20-months later - I received an automated email from Tesla saying my " XXXX XXXX XXXX XXXX Final Payment Is Overdue. '' I assumed it was an error and ignored it, but after receiving 2 more emails within 3-days, I emailed Tesla Payment Resolution and reminded them that I had returned the XXXX  XXXX in XX/XX/XXXX and had made all lease payments. That's when they explained they were charging me {$1700.00} for excess wear and tear and the disposition fee : curb rash 2x {$170.00} front bumper repaint due to scuff marks {$600.00} charging bundle {$450.00} disposition fee {$390.00} ( Tesla 's math doesn't add up ) I disputed all of these charges with Tesla as I returned the XXXX  XXXX in good condition and returned the charging bundle. As the XXXX XXXX has been in Tesla 's position for 20-months, and Tesla never notified me of any concerns or damage to the vehicle after it was picked-up, I believe that any now-reported damage was caused by Tesla employees, vendors or potential buyers - not me.

I have requested from Tesla a copy of the actual inspection report that was conducted when my XXXX XXXX was picked up in XX/XX/XXXX, but they have only provided me with a couple photos. I have also asked Tesla to provide me with proof that ( 1 ) the above listed damage was caused by me, and ( 2 ) the photos are of my old XXXX  XXXX, and not a different XXXX  XXXX, but Tesla has not provided me with any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting an Account on my Consumer Report without my Consent. Trans Union XXXX and the Reporting company known as XXXX XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

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 2023-01-15 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: MO

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting an Account on my Consumer Report without my Consent. XXXX XXXX Equifax and the Reporting company known as XXXX XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, EQUIFAX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2023-01-15 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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.

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 2023-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: PA

Complaint narrative:
There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. AR Resources Inc XXXX XXXX XXXX Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.

Company response to consumer: Closed with explanation