vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I bought the vehicle used from XXXX XXXX XXXX. in XXXX VA ( XXXX XXXX XXXX XXXX, VA XXXX ) XXXX XXXX XXXX, in late XXXX as a company vehicle. The vehicle was a 2010 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX. I had believed that I had automatic payments set up so I did not worry about anything. I missed two payments, one of which I did pay, and when I called the bank ( Westlake Financial ) they said they could do nothing and that It was back in the dealerships hands. I made one payment, so technically only missed one, and it was threatened to be repossessed. The dealership would not work with me and told me to pay it in full or it was be repossessed and he would take me to court and sue me if it was repossessed since he would not be the one to cover the lawyer and court fees. After the truck was back on his lot, the dealership owner told me that if I put another XXXX XXXX down, he could submit it to another bank to help me out.

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 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
There were issues with the Vehicle and the Loan company were supposed to pay for those repairs but instead, it came out of my own pocket. We had an oral discussion about it because they contacted me at my job, repoed my vehicle at my job, and withheld my personal property from me for a Month refusing to give me the location of the vehicle, once I ended up getting my personal property that included phones, credit cards, medicine, clothes, etc some items were stolen and I ended up losing my job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy

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 2022-11-01 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: KS

Complaint narrative:
My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately.

If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

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 2022-11-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax. I have applied for a loan. The loan company can not access my credit because of a freeze. I never froze my account. However, when I call Equifax to remove the freeze it is supposedly lifted. However, the loan company can not access my credit as it appears to be frozen. 

The Equifax website indicates that it is not frozen. But the loan company still can not access the account. 

Endless calls. Endless time spent with customer support. Yet my credit can not be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
We paid off our mortgage in XXXX we were told the release of lien letter would be sent in 30 days. I have been calling since XXXX and today I get informed that the release of lien letter is not yet available. This is Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a federal loan from back in XXXX. After I graduated it was through Sallie Mae. Eventually it was consolidated and ended up with Navient. 
I've been paying them and in and out of deferment over the last 10 years or so. I am a single mom with a very low income and when I heard that we would have a chance of having loans forgiven I was so happy. In XXXX of XXXX I called Navient to find out what I needed to do so I could be eligible for the loan forgiveness. They told me my loans had to be consolidated but that I had already done that when I was with Sallie Mae so I didn't need to do anything else. I believe them, because they should understand this, not me. So I waited. And waited. I just found out this week when I called Navient back again that I was supposed to have consolidated my loan somewhere else, but they said it was too late, the cut off was XX/XX/XXXX. I was sick to my stomach. I couldn't believe that they had told me I was going to be eligible back in XXXX and I didn't need to do anything else, only now to to tell me, it's too late, you can't do it anymore. I was so very upset. I believe this loan forgiveness incentive was really targeted for struggling people like me. I have XXXX son about to start college and i'm not even student loan free myself. I really need someone to help me. Please tell me there is a way that I can still be eligible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: IL

Complaint narrative:
I reported to XXXX XXXX by postal mail, letter dated XX/XX/2022, by XXXX Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX , Equifax , XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, XXXX Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with XXXX XXXX nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but XXXX XXXX is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Received a check for {$1000.00} in XX/XX/XXXX for my security deposit from a property management company. I mobile deposited the check in XX/XX/XXXX and the money was put into my savings account. About six months later in XX/XX/XXXX, my savings account showed a withdrawal of {$1000.00}. After calling the bank to find out more, they referred me to a bank branch for an answer. They said that someone intercepted or copied the check ( same check with same numbers -- different signatures! ) and that it was mobile deposited before my deposit occurred. 
The bank ( TD bank ) told me to file a claim with them and then to file a claim with the bank of the original check ( XXXXXXXX XXXX ). I followed their lead, but after 120 days of waiting for a response, there has been no response from XXXX XXXX TD bank says they can't give me my money back without an acceptance from XXXXXXXX XXXX. TD bank was responsible for the check being deposited both illegally and legally Two times! The funds should be replenished to my account. 
It is obvious that I am the rightful owner of the check and the funds but the banks are not safeguarding my funds. It's not my job to chase around funds that the bank was incapable of protecting. I realize it's a small {$1000.00} but I am a hard-working individual trying to pay off college debt and pay off my own bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
I got a XXXX XXXX XXXX XXXX XXXX at this place back in XX/XX/XXXX, I was charged a cash deposit, a high interest rate of about 19.49 %, and they made me buy separate car insurance. I was making my payment on time until around XXXX of this year ( XXXX ) where i then asked them if their company offered a hardship program that would give me an extension on the car lease to give me time to finish the agreement, they requested documentation of my situation for which i obliged. 
They responded with 1 deferred payment of 2 weeks and 2 weeks later i was making the same payments that were my original payments in the first place, funny thing is i have never asked for a hardship program before so i was hoping they would work with me. 
Every time they called i answered and i have tried to stay in honor with the contract, by continuing to pay as i could for as long as i could. XX/XX/XXXX i am still letting them know that i am having a hard time but they didn't care asking if there was anything else they would do so i would go into default and they said no, imagine my surprise when i wake up XXXX day of XXXX and my car had been repossessed, they said i am 25 days behind and that to get the car back i would need to sign a new contract with them to see if they would like to move forward with this but there is already a contract so what are they talking about? This sounds like they are trying to recontract me in a new contract. Why are these companies allowed to do this to people, I've never received any notice at all that the car was being repossessed and there has been no communication via email, they are always so hostile with me when i am just trying to get information. I've been hung-up on many times that i am afraid to call them ; they escalate situations when it's not necessary and are very unprofessional. I will never deal with this company again. They did not inform me that i had a right to rescind this contract at any point of doing business with them and then i went to pick up my items at the XXXX XXXX at XXXX XXXX XXXX in XXXX Tx where they were holding my items XXXX and they had me sign a release of the vehicle stating that i am volunteering to give them back the car. This is a public notice that all contracts are here by rescinded with XXXX XXXX and its finance company XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is not my collection, it belongs to another person with same or similar name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
I inherited a mobile home park when my mom passed away XX/XX/XXXX. 
I have a mobile home that is a XXXX XXXX, XXXX number : XXXX, XXXX. This home was bought my my dad who passed away in XXXX. The bank was XXXX  XXXX XXXX in XXXX Va. This bank has closed and or bought out by First Citizens Bank & Trust out of XXXX NC in XXXX. 

Their phone number is XXXX. 
Fax number XXXX. 
I need a lien release on this home so I can get a title. 
I faxed all paperwork to First Citizens last XXXX. I have not received a call or email. 
My email address is : XXXX My phone number is XXXX My name is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
DON'T SAY DUPLICATE!!!! If so, then WHERE IS THE OTHER COMPLAINT?!??? 
You need to contact ZIP PAY!!! They still owe me money, and have done a lot of wrong things. I have emails and receipts how much was always promised to me, and they broke it. 

I have ATTACHED the emails. You can see they were just stalling and wasting time to not fix it. Same questions, from 5 different people, starting the process over and over again. 

Zip Co has been continuing to charge me for payments made to things I already returned a long time ago. I have tried to resolve this issue since this past Spring, to no avail. Zip keeps giving me the runaround, and keeps my refund money. I would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: PA

Complaint narrative:
They are reporting fake and wrong information about me. They responded that it was updated. I sent them my id with proof of residence, so they know it was me. I also sent them a letter notifying them of this inaccurate information 0n XX/XX/22.

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 2022-11-01 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: AL

Complaint narrative:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN I HAVE FILED REPORTS AND GIVEN PROOF. 
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation

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 2022-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TN

Complaint narrative:
Hello I applied for a loan modification in XXXX XXXX and submitted documents. 

Selene requested XXXX months bank statements and I sent them. 

I was declined because I didnt send a bank statement from XX/XX/2022 which was over XXXX  months ago. 

I am requesting my loan modification be reopened & approved because Selene requested XXXX months of bank statements not XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NC

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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-01 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: NC

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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Northland Group is calling family members multiple times a day. Called my parent 's phone number and I do NOT live there at all. They have asked them to stop and told them I do not live there and they still call multiple times a day. According to the federal trade commission website, they are not supposed to call more than once. They are also leaving details with my NAME and that they are trying to collect a DEBT which they can not do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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:
XXXX XXXX # XXXX XXXX XXXX # 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows 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 explanation