vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: MD

Complaint narrative:
To whom it may concern, Westlake financial services is reporting a charge off on my credit files. 

I contacted westlake financial services In XXXX XXXX to request my 1099 for the debt they wrote off. 

XXXX has failed to provide me with proper documentation regarding the charge off after I paid in XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NV

Complaint narrative:
copy from bask bank message I sent : XXXX XXXX XX/XX/year> - XXXX XXXX see attached pdf of CD, why on XX/XX/XXXX did the interest rate already go down to 4.25 % when the CD did not mature until XX/XX/XXXX? 

There was just over {$11.00} in interest it said where is that now that the CD is closed?

When was the last day of interest paid on this CD?

please answer all questions.

Please remove closed cd from account listings.

thanks Sent pic of CD in message ( I will upload that pic in this complaint ) Reply from bank Name : XXXX XXXX XXXX Customer Support XX/XX/scrub>XXXX XXXX XXXX XXXX Hello, Thank you for your message. The interest rate dropped on the date the CD matured on XX/XX/year> which was also the last day you earned interest. 
The month of XXXX you were paid {$250.00}. The formula we use to calculate interest is Balance / XXXXXXXX XXXX  APR 5.45 % XXXX XXXX  of days in the month. If you have questions, please contact us at XXXX. 

Kind regards, Bask Bank customer support

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've submitted a dispute regarding a reporting inaccuracy involving my account with XXXX XXXX, as reported through Experian. XXXX XXXX acted negligently by failing to close my account after I explicitly requested its closure. As a result, unauthorized charges began to accrue on the account. Upon becoming aware of this issue, I promptly paid the outstanding balance to settle the account ; however, the late payments and charges reported remain inaccurate due to XXXXXXXX XXXX 's failure to act on my initial closure request. 

I believe XXXXXXXX XXXX  should have a recorded phone call documenting my request to close the account prior to the accumulation of these charges. Despite multiple requests, XXXX XXXX has failed to provide any evidence, documentation, or proof of a thorough investigation to validate the accuracy of their reporting. Additionally, these requests have been disregarded both by XXXX XXXX and by Experian. 

Given these circumstances, I am formally requesting that the inaccurate information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I've attached documents that were provided during the dispute.

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I called XXXX to Verify a deposit that my bank chase said they didn't see in my account. When I called the XXXX number listed on the internet web ( XXXX ) A paypal impostor took my call. The fake XXXX agent had me download an app to my phone to send the transfer back to my account. They had me open my mobile bank app and that when they had the XXXX to send money to their account. I was frauded out of XXXX XXXX dollars. Chase said they can't refund my account because I authorized it. My phone was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Collection placed on my credit I would like it removed I dont know anything about the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$540000.00}

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear CEO of Spring Oaks Capital LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I requested detailed information regarding the procedures Experian followed to determine the accuracy and completeness of these accounts. As per the Fair Credit Reporting Act ( FCRA ), they were required to provide this information to me within 15 days from the date of my request, which means that by XX/XX/year>, I should have received the requested documents. However, as of today, XX/XX/year>, I have not received the information, making this a case of willful non-compliance with the FCRA.

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 2024-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am writing to once again dispute a phone bill debt that has been mistakenly attributed to me. This debt, which appears to have originated over 10 years ago, is not mine. I have reached out to your company multiple times in the past to clarify this, but the matter remains unresolved. 

To reiterate, I was incarcerated during the time the debt was incurred. As such, it would have been impossible for me to have made any phone calls or incurred any charges associated with the bill in question. Given the circumstances, I firmly believe that this transaction is fraudulent and that my personal information was used without my consent. 

I have consistently communicated this to XXXX XXXX, which I actually utilize as a XXXX XXXXXXXX today. I have not received any evidence to suggest otherwise. I am requesting that this issue be thoroughly investigated and that the debt be removed from my account immediately. I also ask that any negative impact this has had on my credit or other records be corrected. 

Please let me know if any further documentation or clarification is needed from my side to assist in resolving this matter promptly. I look forward to your response and hope for a quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2024-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
XX/XX/year> I sent {$100000.00} wirere transfer from my bank to M & T Bank for a mortgage payoff. I never heard anything from bank and assumed all was fine. There was a balance of {$5100.00} which I sent a few days later after speaking with XXXX at M & T and got the exact amount. She did not mention any issues with the $ XXXX sent on XX/XX/XXXX. 

Around XX/XX/XXXX I called to make sure everything was OK to payoff dept. I left XXXX messages with XXXX but never received a return call. The bank returned the {$5100.00} wire transfer XXXX separate time yet never called to check or let me know why they returned the payoff. Then I was told the original XXXX was also returned. When I asked why they said all money had to be sent same time. That doesn't make sense that a bank who deals with money every day could not add the XXXX payments together and figure this out. 

Then they charged me {$490.00} more on my payoff on top of the {$60.00} I paid my bank for wire transfer fees. Then I realized this seemed to be their way of delaying payoff and collecting more money. During this situation no one ever called to let me know the problem.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
recently received a copy of my Experian credit report, I noticed a high utilization posted on my XXXX account, Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; You have XXXX calendar days to either update my credit utilization to XXXX or below, or remove all utilization from my report. Credit Card XXXX is an Experience. If not my account is not updated I will pursue legal action against your company.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As I perused my report from the year XXXX a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf? 


XXXX XXXX XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect.

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 2024-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal has been hitting my accounts with overdraft protection fees even though I am not opted-in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief