vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VT

Complaint narrative:
During loss Mitigation = We sent all documents into US Bank via online portal and they never requested any further paperwork until 3 months later. 

Recieved letter on XX/XX/XXXX and was never mailed nor uploaded into our online service until XX/XX/XXXX stating we didn't submit self employment tax records : sent XX/XX/XXXX, profit and loss missing ( sent XX/XX/XXXX ) and descrepancy in address ( stated over the phone we have a po box XX/XX/XXXX ) Recieved a second letter stating the same thing and made us resubmit and reapply all documents XX/XX/XXXX XX/XX/XXXX us bank request again individual and business taxes with updated signature and require verbal and written notice of hardship. 

XX/XX/XXXX = we called to check on our application and yet again they say we are missing profit and loss statements ( as of XX/XX/XXXX they have requested profit and loss XXXX ) XX/XX/XXXX we again call us bank to check on missing information and they say the under writers are requesting full year of our business profit and loss now with different dates then previously. 

XX/XX/XXXX = us bank sends letter stating only option is to short sale or house.. ( we have never missed a payment and our equity is XXXX what our mortage loan is. they state all available customer assistance reviews we are not approved for XX/XX/XXXX we sent appeal request, they never mailed an acknowledgment of appeal until XX/XX/XXXX which states they will respond on seperate cover by XXXX about loss mitigation appeal and never do so. at which they also state there is no issue with or escrow and no error that occured. our tax bill for XXXX states we had a state tax refund and the remaining balance was XXXX. Us bank states it's XXXX. this has been occuring since XXXX we request another escrow anaylsis and they never do it. 

XX/XX/XXXX they say our payment is XXXX but since XXXX  it has steadly gone up every month and is now currently at XXXX. 

XXXX paid XXXX dollars to reinstate our mortage XXXX  and they paid in over XXXX dollars to our escrow and can't tell us how our escrow got to under a XXXX dollars by XXXX. 

US Bank is also charging us " USDA fee XXXX of {$400.00} out of our escrow every 6 months " and we have had our mortage with this servicer since XXXX and never had that charge. 

WE have had emotional and physical reprocutions from US Bank and how they have handled things and tried to take our home. How they continue to hide where our escrow payments are going, and the lies we get told by customer service is not okay.

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 2023-08-10 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: GA

Complaint narrative:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent.

I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked.

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated.

I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.

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 2023-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I applied for an extension of credit from Wells Fargo. They discriminated against me and denied me credit. I filed a complaint with CFPB in which I demanded my civil penalty provided for violations. On XX/XX/2023 Wells Fargo replied that they complied with most of the banking laws and insisted that they were not going to pay my self-imposed civil remedy. 
Here is a link to FTC webpage that cite the was to discriminate : https : //consumer.ftc.gov/articles/credit-discrimination It's been my experience that most financial institutions will pick and choose which laws they wish to follow, especially Wells Fargo.

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 2023-08-10 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: SC

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-08-10 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: NJ

Complaint narrative:
Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from US auto sales. The location at the time was XXXX XXXX XXXX, XXXX, NC XXXX phone number XXXX. I traded in a car and received a down payment credit of {$3200.00}. the vehicle I purchased was a XXXX XXXX XXXX XXXX. The purchase amount was {$20000.00} and was financed in a contract with US auto sales at the time of the purchase. I purchased a vehicle service contract and gap insurance, which was agreed to be paid in the car payment that I make biweekly. The vehicle service contract was totaled in the amount of {$2300.00} and the gap insurance was {$690.00}. With this being said my payments for my car to is {$210.00} biweekly. US auto sales in turn shut down this year ( XX/XX/XXXX ), and I am still being held responsible to pay for a service contract I can no longer use, as well as gap insurance that I can no longer use. Us auto sales transferred their debt over to Westlake portfolio management. At this time I had to send in a letter for debt verification to Westlake portfolio management because I did not sign a contract with them. I signed a contract with US Auto Sales. US auto sales has breached that contract. I am wanting to know what can be done about this issue? I should not have to pay for a service contract I can not receive services from. Even though I signed for it, i no longer am able to receive either coverages put yet I am still expected to pay for it. In regards to this matter I have reached out to the Attorney General of North Carolina and the FTC. I am asking that you help seek a solution to this irresponsible matter. I do not want to give my hard earned money to a company who is doing nothing but taking my money. I understand my financial responsibility to pay for a car, but it is also their responsibility to hold up their end of the contract that i signed and not to breach it when I signed for a vehicle service contract and gap insurance. It is also unfortunate that US auto sales is the lienholder on my car. Therefore, I can not trade it or sell it. If there are some possible suggestions that could be given to me on what should be done in this matter, could you please reach out to me as soon as possible? thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: OH

Complaint narrative:
I reached out to chase for these unapproved credit pull from XX/XX/XXXX, XX/XX/XXXX of XXXX from XXXX, XXXX told me that their were unable to help me with this and I have to reach out to Equifax, Equifax said I should fill out this ftc report for the dispute to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit Acceptance has attempted to collect this alleged debt from me since I entered into a contract with them on XX/XX/XXXX. I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by Credit Acceptance. I am not terminating the contract, I am deducting my liability to pay on behalf of the obligor as I found several violations of fraud. According to the contract, I wasn't aware of my right to rescind at the time. I entered into the contract without being given full disclosure and disputed the validity of this debt when I mailed a letter of conditional acceptance on XX/XX/XXXX. In this letter, I agreed to pay the debt if within 15 days, I was sent the following from Credit Acceptance : confirmation of the debt, production of the account and a general ledger statement, a signed invoice to verify their claim against me, a copy of the contract binding both myself and Credit Acceptance ( not a photocopy ), a statement acknowledging whether they are the holder or servicer in due course, a declaration acknowledging whether they sold my note as part of a pooling and servicing agreement ( securitization ), and if securitized, the name of the REMIC to whom my loan was sold and the CUSIP number assigned to my loan after it was securitized. I have reason to believe Credit Acceptance willfully and knowingly took advantage of me and my consumer credit. In addition, I was given false and deceptive information, as I was told that a down payment was needed in order to drive off of the lot which is a violation of 15 USC 1692e. I have included the letter I sent to Credit Acceptance as well as the contract I signed with Credit AcceptanceXXXX 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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I had a loan with US auto sales and Westlake portfolio took over and since they took over they trying to double up on my payments and charge more interest and they have my pay days messed up and wont fix it. Ive called them and tried to discuss issues and they say they cant do anything about it. I have never missed a payment with Us auto sales or Westlake and Westlake is trying to say I am behind and is trying to charge late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX account. 

In detail, Experian has : - Included my entire transaction history with XXXX XXXX XXXX  on my credit report dated [ date ], such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXX XXXX  as the furnisher. 

- Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states Experian can only provide my report with my written instructions. I did not provide such instructions. 

- Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

- Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

- Acted negligently and is therefore liable under 15 U.S.C. 1681o. If Experian claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a. 

In summary, Experian has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate Experian and take appropriate enforcement action to stop these violations. I will also be filing a complaint with the FTC regard Experian 's illegal activities. I also request compensation for damages caused by Experian illegally accessing and furnishing my private data without consent.

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 2023-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, sent a certified letter on XX/XX/2023, to PORTFOLIO RECOVERY, addressing the presence of XXXX accounts with identical amounts, which I believe should be removed as required by law. I requested verification of the alleged debt, citing UCC 9-210 and 15 U.S. Code 44. I emphasized my willingness to pay if legally obligated, but I need proper documentation before proceeding, citing The Fair Debt Collections Practices Act ( 15 U.S. Code 1692 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-08-11 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: CA

Complaint narrative:
I am a victim of Identity Theft. These items I found on my credit report were opened without my knowledge, consent, or authority. These items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge and reporting DELETED accounts/information from other bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX  sold me a vehicle. They went out of business XXXX days later. They failed to register the vehicle in my name. I have no plates. The company was taken over by a debt collection company Westlake portfolio management. I have been contacting them for XXXX days straight. I have been given XXXX different email addresses XXXX not being valid they have come back as can not send. Every time you get them on the phone they have a different story. They sent me a fake power of attorney to try and get another temporary tag. XXXX does not except that as valid form. I tried to tell XXXX this. They have had me send emails and transferred me to departments that dont exist. The title department told me in writing that they did not have my title. I can not register the car. I can XXXX XXXX the car with no plates. They have taken over XXXX of my money and I cant XXXX XXXX the car. I have contacted the better business bureau, the head of XXXX and the local senate. No one can help me. I dont know what to 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 2023-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: REISENFELD & ASSOCIATES LPA, LLC
State: IN

Complaint narrative:
REISENFELD & ASSOCIATES LPA XXXX has filed a case on behave of XXXX XXXX for a debt not owed. I never had a contract with XXXX XXXX  or REISENFELD & ASSOCIATES LPA 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 2023-08-11 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: FL

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 # XXXX, XXXX XXXX 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation