vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I getting call from debt agencies daily. I have put there numbers on block list. It is usually same companies, but change their numbers. They leave no message. I believe these are robocall scamming. This has been going on for months. 

Companies are : XXXX XXXX XXXX Ars National Sr

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire Consumer appraised the value of my vehicle over and above the NADA guidelines according to the condition of my vehicle. The vehicle is a rough trade in according to NADA 's guide value report. That value is {$1200.00}. So far I have made 6 payments on the vehicle and no principal has been credited as agreed. the vehicle was appraised at {$2500.00}, {$1200.00} more than it's true value. I am requesting that the vehicle title loan be cancelled at a {$0.00} balance. XXXX | XXXX XXXX XXXX XXXX XXXX XXXX Transaction Type Transaction Date Amount Balance + Payment - Other XX/XX/XXXX {$150.00} {$2400.00} + Payment - Other XX/XX/XXXX {$100.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} + Payment - Other XX/XX/XXXX {$250.00} {$2400.00} I found three complaints regarding Wilshire Consumer Credit : Search results Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ...

Westlake Services , LLC, d/b/a Westlake Financial Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital , LLC | Consumer Financial Protection Bureau https : //www.consumerfinance.gov/administrative-adjudication-proceedings/administrative-adjudication-docket/westlake-services-llc-dba-westlake-financial-services-llc/ Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wilshire Commercial Capital ... Services. LLC, and Wilshire Consumer Credit, LLC, d/b/a as Wi ... 
CFPB XXXX XXXX XXXX XXXX XXXX to Provide Consumers {$44.00} XXXX in Relief for XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX : XXXX XXXX Services and Wilshire Consumer Credit XXXX XXXX XXXX XXXX ... Indirect Auto XXXX XXXX XXXX XXXX Consumers {$44.00} XXXX in ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
We have tried in vain for months to contact someone in person and by phone at Truist ( BB & T ) as well as the law firm they hired for collections regarding our account. We received a collections notice dated XX/XX/XXXX. After repeated attempts of not being able to speak with anyone or have a call returned, we are filing this complaint with the hopes of getting some answers regarding our home equity line. Weve been trying since XX/XX/XXXX to initiate a short sale process with XXXX  XXXX XXXX, who holds the first mortgage on our home. We put the home on the market for sale in XX/XX/XXXX but had no buyer interest due to deferred maintenance and possible structural damage to the house. Weve gone through months of paperwork and, in XX/XX/XXXX, XXXX  XXXX XXXX finally offered a loan modification and a lower monthly payment, which we could still not afford due to a job layoff in XX/XX/XXXX. Weve since had two contracts to purchase the home, both well under the listing price, but the buyers backed out because the process dragged on too long. We couldnt get any response from Truist ( BB & T ) regarding the release of the second lien and received conflicting information about whom was to make the request ( us/our agent or the bank ) related to the short sale. We now have a third contract and are working through the short sale process with XXXX  XXXX XXXX, although the loan was apparently service released to another mortgage company without us knowing ( we were told a letter was sent but we never received one ). We would like to ensure that Truist ( BB & T ) is part of the short sale process to see if we can get some of the debt repaid during the short sale settlement. We understand that the coronavirus pandemic has complicated matters but wed like to try to honor our commitment to pay back what we can. It's impossible to get hold of someone knowledgeable who can help answer our questions so please provide us with contact information and answers to our questions.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today, XX/XX/2020, I received an email from TransUnion inviting me to login and see my credit score. I tried to login with my username, and was told, invalid. Then I tried to login with my email address as my username. I was again told, Invalid Credentials : Please Try Again. I then clicked forgot login information, which took me to a screen asking me to provide my SS # and last name. Then when I clicked, what happened was, that same screen simply erased, as if I never input anything. So, I typed my SS # & last name again, and clicked continue. What happened was, the exact same thing - when I click continue, then screen simply erases, as if Ive never input my SS # and last name, and I get no other message. The problem is that i can not login to TransUnion. Additionally, for more than a year, TransUnion posts fraudulent information about me, inside the " Personal Information '' section of my TransUnion credit report. TransUnion  refuses to remove the ridiculous, false information, and refuses to provide information about who supplied them with the libelous, fake information. Also, when I previously unfroze my TransUnion report, potential lenders tell me that my credit report is frozen. TransUnion refuses to allow me to unfreeze my credit report and show it to selected lenders.

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 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.

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 2020-05-15 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
When my mom passed away in 2014, I had to travel to XXXX. I had left some family members in my home to watch over my children not thinking otherwise with our bedroom open and all of my credit cards in one of my bags. One of them ended up using my credit card, basically stealing thousands from me. I reported it to discover but it was too late. We managed to lower the payment from a little over {$9000.00} to {$4500.00}. As I was ready to make the payment, they told me they will not accept the payment and that they have filed a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: WA

Complaint narrative:
I made a purchase with XXXX XXXX XXXX it auto selects XXXX  payment that specifically says it will not check your credit. It has a learn more button and says no credit check. I dont need a payment plan it auto picks that as the first option. I am super XXXX that it says no credit check then i get an email saying it pulled my credit. That is so freaking illegal to say no credit then to pull it. I did not authorize it to pull.

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 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
I have uploaded a credit report from XX/XX/XXXX showing the exact same collection with XXXX XXXX XXXX and the date of last activity with the credit grantor was XX/XX/XXXX, which means this collection was due to drop off this year in XXXX. It was apparently transferred to Commonwealth Financial Systems to start this all over again, which is against the Fair Credit Reporting Act. I have not had any contact with the original credit grantor since XXXX, so Commonwealth is not being honest with their previous response, which I included. I want proof from Commonwealth Finance of any updates to " reflect activities, such as balance changes, payments, disputes, closings, etc. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX  XXXX {$2900.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is addressed to all three credit scoring agencies. 
I received a significant decrease in credit score from XXXX to XXXX / XXXX. 

Have an excellent payment history. Decreased by credit utilization by paying off credit cards and car loans. Credits lines would be reduced by credit card companies because I chose not to use them. This is a good thing yet we consumers are being penalized. 
Explain the substantial decease in credit score when all indicators show that I have been very responsible. I have increased my salary and paid down most debts. 

This is al happening in the midst of a global pandemic ... they can check - despite all the hardships - I have managed my credit consistently and prioritized it among more important things ( mortgage, kids schooling etc ) You ( credit agencies ) have nothing better to do than lower our scores even when there's no reason to do so. AND YES we're dealing with a pandemic next thing you know - they'll be asking for a bailout too Credit scoring agencies are luring to penalize us ... even credit card companies are extending some relief/ compassion. 

It is shameful this financial industry operates this way. I work in XXXX   XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, and now XXXX. Can't compare that to the financial industry and their greed. You expect your medicine to be of quality yet we can't expect honesty and fairness from the finance industry? 

This credit scoring mechanism is a fraud, they tilt the scoring to lower your score regardless of how to lower your risk is. I ask the CFPB and the Congress to investigate this further. 

Consumers are unable to complain about credit scores ... only to dispute entries in the reports. Since I have no negative entries to dispute - I am not given the opportunity to complain about the score itself.

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 2020-05-15 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: BANK OF THE WEST
State: MN

Complaint narrative:
I used my Bank of the West MasterCard and purchased 2 tickets to a concert from XXXX. The XX/XX/XXXX concert was cancelled due to covid. XXXX says the concert is not cancelled but postponed so they won't refund the ticket price plus fees. 

I contested the charges of {$120.00} and {$4.00} that posted XX/XX/XXXX on my Bank of the West statement due to " Service not Rendered ''. I received a letter from Bank of the West denying the reversal of charges with them stating that they are not responsible for misrepresentations made by merchants which I choose to due business with. Is this not the definition of " Service not Rendered ''? 

Bank of the West ends the letter with " This is not a bank issue ''. 

The Case ID is 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 2020-05-15 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: LA

Complaint narrative:
I am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is specific to Experian : I placed a freeze on my credit report several years ago due to a data breach. In the intervening years, I have lifted this freeze temporarily several times. On or about XX/XX/2020, I attempted to lift this freeze via both the online portal and phone. I made over 20 attempts over the following days to no avail. In all cases I was given an automated response that I needed to send in documents by mail to lift the freeze. On XX/XX/2020 I sent in the letter with all supporting documents in order to lift the freeze. However, as of XX/XX/XXXX the freeze is still in place and there seems to be no recourse. I can not speak to anyone at the company to get the status of my documents or verify if they have been received. The site states that consumers should allow 3 days for them to process the request but it has been over two weeks without a reply. 

This situation is compounded by the fact that there doesn't seem to be any consumer support. I have called three different phone numbers. All of them contain an automated phone tree that leads to a statement that I need to send in my documents to the address listed. ( Which I have done )

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 2020-05-15 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Three charges, {$110.00}, {$110.00}, and {$150.00}, each with a processing fee of {$8.00}, totalling {$390.00} were made from my account on XX/XX/2020 to 3 separate prisoners in XXXX County Sherriffs Inmate Canteen.

I first called the sherrif, who said they had nothing to do with it. I then contacted the withdrawing company, but never heard back. I was not able to do anything with the bank right away, as " pending '' charges can not be disputed or stopped. When I saw that the charges had finished processing, I started a dispute, which was submitted on XX/XX/XXXX. 
A credit was put into my account on XX/XX/XXXX, and I thought that was the end of it. On XX/XX/XXXX, the money was removed from my account, with the only notice being a letter that arrived the day after. 
I called BBVA Compass and was told that my dispute had been denied, and that's all they could tell me ; they gave me another number to call for more information. 
The woman who answered at that number said that it had been denied because " too much '' of my account information had been used, and it took several questions for her to tell me that the problem was the fraud including my 3 digit security code. She then asked if I was sure that I didn't know the prisoners, and whether a roommate might know the prisoners. I do not know them, and I do not leave my physical card anywhere, and I do not know anyone who knows 3 prisoners in XXXX County Jail, which is 130 miles from where I live. 
She said there was no other explanation for the use of my security code. I said every online cart asks for it ; it could have been saved in that way, along with all the other necessary information. She said that " almost never happens. '' I insisted again that no one I know had made the charges, and she said they would look into it again and one of two people would get back to me. I have given them plenty of time, but have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  company is reported bad credit for {$500.00}. Late payment I do not have any account with them.

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