vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I recently submitted a request to my loan servicer documentation needed to request a XXXX XXXX XXXX XXXX but have denied my request. It is believed that the denial request is discriminatory in nature and without merit. I am a XXXX XXXX XXXX who was injured in a car accident on XX/XX/XXXX and onXX/XX/2021, which made my disabling conditions much worse and required additional medical treatment. 

The deferrment request was signed by my XXXX XXXX XXXX XXXX who acknowledge and confirmed my injuries have made it difficult to work at this time and require further medical treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, SC XXXX. Included in my loan contract was a specified amount of {$2700.00} for a 2 year warranty that would be included in my bi-weekly car payments. After the 2 years were up, it was communicated that my payments would go down. On XX/XX/XXXX I received an email from Westlake Portfolio Management that they were my new service provider and that US Auto Sales closed down XX/XX/XXXX. After speaking with Westlake multiple times, I have been advised that US Auto Sales sent over my contract to include the warranty price ; the warranty is no longer valid but I still have to pay for the price of the warranty with my loan. When asked if the warranty price can be removed from the loan to lower my bi-weekly payments, they advised it would not be possible AFTER already being told by a Westlake supervisor that my payments would go down and they would take care of it. On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX to see about refinancing my auto loan. I was advised by the bank that my car is only worth {$11000.00} and my total loan amount was {$21000.00} so I was severely overcharged for my vehicle. Westlake Portfolio Management did not take over the warranty so I am stuck in an upside down contract due to promises made by XXXX XXXX XXXX  that were never fulfilled with no warranty on my vehicle. I am now having mechanical issues with the vehicle with no warranty and am still obligated to make my bi-weekly payments ; due to financial reasons I may have to voluntarily surrender the vehicle which will affect my credit because I can not afford to pay for the repairs and the car payments. I have an open case with SC Dept of Consumer Affairs but all complaints about XXXX XXXX have been suspended until they can advise of next steps. As of today XX/XX/XXXX, I have voluntarily surrendered the vehicle and now am in even more debt due to XXXX XXXX XXXX  not handling business properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number 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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number 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.

4 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as for any purpose.

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 2023-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank keeps calling everyday XXXX times everyday for the last few months. I have a debit management company who has contacted this bank and they agreed to settle the debit and Im going to start making payments on XX/XX/23 but they will not stop calling and leaving voicemails. They are harassing me.

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I payed off my account with Comenity bank before my special 6 months no interest and they continue to charge and harass me. It started with them losing my money orders in their facility for a MONTH! During that time I called repeatedly to fix the issue and I kept getting brushed aside. That was in XXXX here I am halfway through XXXX getting called for money for interest I was assured would not be accrued and what was accrued would be cleared. Between the first week of XXXX and now I have spent XXXX hours on the phone with these conmen and Im currently on a call that has lasted over XXXX minutes that they initiated and have now placed me on hold without permission and are currently trying wait me me out and make me hang up. I have received dozens of false promises about them reviewing my account and calling me back, they dont give me their names, they pass me from supervisor to supervisor and there are thousands of stories like this their reviews are XXXX star from over XXXX people because this company harasses and frauds their clients consistently! This is a huge issue and I would love to start a class action but I have no clue where to go so here I am hoping the CFPB is my solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Reported fraud charges to jcpenney XX/XX/XXXX. Told I would receive resolution letter. They never responded. Contacted JCP again 3 time XX/XX/XXXX and was told they have no Report of fraud charges and their records don't go back that far in date

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 monetary relief
Consumer complaint received 2023-08-13 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: ME

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Transunion is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX, {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXXE Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members

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 2023-08-13 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: ME

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Experian is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXXXXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members

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 2023-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST HORIZON BANK

Complaint narrative:
I canceled my credit card with First Horizon bank in XXXX in 2020 after the merger of Iberiabank and First Horizon Bank. I went to the branch in XXXX in XX/XX/2020 to check on the status. They said they had issued a credit card and I told them I did not receive it. So they should cancel the card. As I was checking my score on XXXX and XXXX I noticed that a XXXX XXXX credit card on the report. I contacted XXXX and XXXX to ask them to remove the card. I was told to contact the bank. 
I contacted First Horizon and was told that a new card was sent to XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I checked with XXXX XXXX who owns the house and his sister who lives there and they say the card was not received. 
I contacted the bank to ask them to investigate to find and cancel the card. They said my name was on the account as a XXXX of Attorney and that only the account holder can do this. I contacted XXXX XXXX with whom I am not in contact with. 
I wrote a letter to the bank to instruct them to withdraw my name on the account and to cancel any credit cards in my name. They have given me the run around. I contacted XXXX who says their records show a card and that I have to get the bank to cancel the card. 
Despite my requests to XXXX XXXX and XXXX XXXX, there remains a credit card showing up on my report. 
During the period of Iberiabank I had used the card to pay house bills for XXXX XXXX. My concern is that there is a card in my name being used. Despite my requests from the bank and XXXX XXXX, no one has acted. 
I would like to find out if there is a card in my name and if yes, is it being used fraudulently? Secondly, I want my name taken off that account as I do not want to be involved in any finances with XXXX XXXX given that I am concerned about anti money laundering risks. Given that he has a girlfriend which I do not trust,, who knows if she is using that card to pay his bills? 
What can be done to have the credit card and my name removed from the First Horizon Bank account? What can be done to remove my risks associated with XXXX XXXX and his entourage?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A card for XXXX 's XXXX XXXX was opened in my name through Wells Fargo. Contacted Wells Fargo. They cancelled account. Was never informed how this was opened in my name.

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 2023-08-13 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: Paradigm Assets, LLC
State: AL

Complaint narrative:
JHPDE Finance has XXXX accounts that they continue to report the wrong information and they have sold the account to another debt company named paradigm which are trying to reopen the accounts. Both accounts are past the statue of limitations. Both collectors are trying to collect. These accounts were not opened in XX/XX/XXXX. They were opened long before this time and unfortunately they were delinquent before XXXX. They have the wrong information on the accounts and have refused to present it. JHPDE says that the information is correct. But still have not presented any correct information. This information should be removed from my credit report because it is past status of limitations. It should be off as of now XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debts have repeatedly been disputed with XXXX Bank. 
I have requested documents, validation of debt and verification of debt to be sent to me according to Section 609. Documents have not been provided. This has been an ongoing dispute. I am requesting the letter attached and sent out again be answered as it has been more than 60 days. 

Attached Letter sent to XXXX Bank XX/XX/XXXX XXXX sent to XXXX company who did not validate debt and court case was dismissed in XXXX. 

As quoted In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have a legal obligation to pay you. 

Please provide the following : What the money you say I owe is for ; Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide verification or copy of any judgment if applicable ; Identify the original creditor ; The statute of limitations has not expired on this account ; Show me your license to collect in my state ; Guide me with your license number and Registered Agent. ( XXXX ) These debts are being resold to different collection agencies who are NOT validating debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
Crown Assets Management, LLC, has been trying to collect on a debt that has been discharged. I have requested such as how much did they purchase the debt for? a copy of the original application? Purchase agreement. Copies of all receipts. If the information was not sent to me, I ask that they cease and desist. All of my request were certified mail, XX/XX/2023, and XX/XX/2023. I did not receive a response from them. XX/XX/2023, informing me they were hired to represent XXXX XXXX XXXX XXXX account, now owned by Crown Asset Management , LLC, for a past due bal. of XXXX. We are mindful of the tough economic times that many people have realized in recent years On XX/XX/2023, I received an e-mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX, giving me OPTION XXXX : A discount one-time payment for full and final settlement of the account. XXXX. Option XXXX : Payment plan an affordable monthly payment. Any and all information I have requested has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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