vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Westlake Services, LLC
State: CT

Complaint narrative:
XX/XX/2021 i received email saying go to car dealer you approve XX/XX/2021 this is what happen to me Westlake Financial Services XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX This Company Provide car loan to peoples that has low credit scores, The are connected to XXXX a web site that advertise cars for sale, On the site it show a pre approve letter it sends to your email show that you are pre approve and tell to contact the dealer, I found out this False advertising, and they was just giving me the run around saying i need this and multi different thing which i allready had gave the dealer, I was willing to put a down payment of half the car price, Maybe they do not work with XXXX-American and they are treated different, I I never been so humiliated in my life by westlake. they could see my bank statement That i could pay for the car in cash no financing. They wanted my physical bank account number with all my financial information expose to the dealer employees, I could not help for thinking that westlake or the Dealer going clean my bank account out, Horrible

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 2021-07-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There has been an inquiry placed with your company that does not belong to me I never authorize any inquiries I have also filed a police report as well as a FTC report on the issue I never authorize Ive given my personal information to be applied for any vehicle loans admin that you remove the inquiry off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Was not notified of investigation status or results
Company: AES/PHEAA
State: CO

Complaint narrative:
I was told over the phone that my late payments would not be enforced as they would consider them deferred. They since been on my credit report affecting my score no matter what I do. I've been paying my loans back automatically with no change. What more should I do? I have over XXXX in loans, I am a XXXX  who had to work through this pandemic and still can not afford to purchase a home due to my credit from these previous missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from The Money Source Inc to XXXX XXXX at sometime in XXXX or XX/XX/2021. The loan transfer effective date in The Money Source Inc 's statement is XX/XX/2021. The loan transfer effective date in XXXX XXXX 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The Money Source Inc. See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or XXXX XXXX. I should pay nothing to XXXX XXXX. XXXX XXXX refused to admit the fact and asked me to make the payment. I contacted XXXX XXXX weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. XXXX XXXX doesn't actively contact the money source and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on XXXX XXXX 's record. The XXXX XXXX threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The Money Source on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MECHANICS BANK
State: CA

Complaint narrative:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I have a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with all payments. The payment that was missed on XXXX of XXXX and XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is also hurting my financial reputation making it harder for me and my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There has been an inquiry placed with your company that does not belong to me I never authorize any inquiries I have also filed a police report as well as a FTC report on the issue I never authorize Ive given my personal information to be applied for any vehicle loans admin that you remove the inquiry off 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 non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
This medical bill was sent to collections ( Wakefield ) on XX/XX/2019. I contacted the company after I received a letter in the mail and told them I would start a payment plan after my wife and I got situated after our move. They continued to call me several times a day, at very early hours ( before XXXX XXXX ) despite my communication and efforts to evade the unnecessary contact. This a violation of debt collector laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have tried to get the hard inquiries off my credit report but the customer service was no help at all. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I do not recognize and I called the creditor and they wont help me. 
XX/XX/2021 there were many hard pulls from XXXX  XXXX, and XXXX XXXX that I did not consent to and I have asked the creditors to remove them but they refuse to help. 
XX/XX/2021 there was a hard pull from XXXX XXXX that I did not approve of and the company refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andrews & Cox, P.C.
State: MS

Complaint narrative:
XXXX XXXX XXXX being represented by Bleecker, Brodey and Andrews provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, Bleeker, Brodey, and Andrews began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. Bleecker, Brodey and Andrews will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: DISCOVER BANK
State: CT

Complaint narrative:
Discover credit claims there is a late payment on my credit but did not provide proper transactional documentation..only randomized dates and various amounts that didnt show any time of payment history or anything of this nature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a payment of {$680.00} for regular full XX/XX/2021 payment and an additional principle payment of {$8000.00}. 
They went ahead and allocated the payments incorrectly and not even close to how I directed them, this is fraud and a scam. They put the balance in unapplied funds account and paid 2 months of mortgage payments. Why?? I called them 2 days ago after discovering the error and was told it would be corrected. It is not corrected. I have to now call these XXXX again. They are stealing my time. These people are scammers, thieves and incompetent. You cant even make a simple mortgage payment online and make an additional payment and the system allocates the money as they want. Not as the customer directs. I made other similar payments this year and the payments were allocated properly. Prior to this year, while checking the box to make an additional payment, they also pulled this same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
The Professional Placement Services sent me a notice via U.S. Mail about delinquent medical debt in the amount of {$54.00}.

I requested from the above collection agency to validate this alleged debt and provide me with a proof pursuant to 15 USC 1692 Sec. 809 ( b ) of the FDCPA.

The company provided me with a " proof '' of debt by creating their own statement dated XX/XX/XXXX. Upon review their statement, I found this debt is not owed by me to the former creditor XXXX XXXX XXXX. Back in XXXX of XXXX, I applied directly with creditor for financial assistance due to my financial hardship situation and the creditor applied a credit to my account. I have not heard from any other collection agency that I owed a debt to the creditor since XXXX of XXXX. 
Debt collector did not comply with Federal Debt Credit Practices Act and upon review their statement, I requested from them to send original statement from creditor showing that I owe this debt or any agreement that bears the signature of the alleged debtor and verification that this debt was assigned or sold to them, agreement with creditor that grants them the authority to collect on this alleged debt. I sent second request to them to revalidate a debt. Instead debt collector reported derogatory information to major credit reporting agencies XXXX, XXXX, and XXXX XXXX. I have been trying to dispute the reported negative information with each credit bureau Debt Collector violated FDCPA and responded to credit reporting agency that debt is valid and disputed by consumer I will now need to bring the above dispute to my state Attorney General and the company will not comply with the Federal Credit Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am extremely upset that the credit bureaus have not responded back to me yet about my investigation. I need these accounts that dont belong to me to be deleted from my credit report as soon as possible. It has been over 45 days and I still have not heard anything.

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 2021-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I submitted a letter asking Experian and XXXX, to remove the accounts that were identified as a result of identity theft. 

They responded with a letter that verified all of the accounts. How can you verify accounts that are result of identity theft? 

on XX/XX/2021, I filed my FTC report to identify items that are reporting on my credit file as a result of identity theft. 

Experian has blocked me out of using the online function of view the completed disputed, and disputing through the online function. But they also verified the accounts again. 

Experian and XXXX, has been operating in violation of the consumer rights because the accounts that were listed on the FTC report should have been blocked from my credit file in 5 business days. I have submitted numerous disputes identifying the errors in their system in regards to the accounts listed and yet the accounts still remain.

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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PENN CREDIT CORP Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious PENN CREDIT CORP Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. 

SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NV

Complaint narrative:
There has been no consent for this collection agency to furnish derogatory information on my consumer report. They had no right To buy and use my consumer report information from another debt collector and they have not validated the alleged debt with the original document showing the original creditors contract. 


Below are Federal Codes in which have been violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Since the beginning of XX/XX/XXXX, I have tried very hard to work with the Bank of America to get my account corrected. 

While their records indicated a delinquency All mortgage payments have been paid in full since the inception of my mortgage loan with them. Never once has a mortgage payment ever been late. In spite of my good payment history Bank of America was applying my mortgage payments to the wrong area and reflecting a delinquency which then initiated a modification to my loan. 

I have never once been late on one mortgage payment I have never requested a loan modification and I have never requested to be on a forbearance program yet Bank of America continues to not correct their mistakes. This has cost me a denial on a home loan application and I have had to go through special financing for a home loan which has cost me an extra {$3000.00} on a down payment and closing costs plus a 4.5 % interest rate Due to the adverse effect that Bank of America has had on my credit report. 

I have spoken to numerous Bank of America employees since the beginning of XX/XX/XXXXand they have failed to correct this problem. I will be selling this house and paying off this mortgage tomorrow which is XX/XX/2021 but the damage that Bank of America has cost me financially can not be undone. I would like a letter from Bank of America apologizing and proof that they have Written a letter to all three credit bureaus including XXXX and XXXX XXXX and XXXX XXXX describing my perfect payment history and correcting their erroneous negative reporting that I am making only partial payments

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