vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i purchased a vehicle from XXXX  XXXX  XXXX  located at XXXX XXXX XXXX XXXX fl XXXX. I wanted to do in house finance nut went i got there that day i was told that i lives to far for in house so my only option was to finance the vehicle so they informed me that my loan was going to be through Westlake financial in CA. And that i would receive a call the next day so i called Westlake financial and was informed that they needed to gather some information like where i worked to verify my income and how much i put down on the car which was XXXX down payment and XXXX for the tag fees. I kept getting the same answers from Westlake financial everytime i called that my loan was denied because the dealer never faxed the paper work and that they couldn't reach my references i had my references call Westlake to verify because all of my references said they never received a call from Westlake financial and i called XXXX XXXX or XXXX XXXX  XXXX  back and was hung up on and told not to call the bank back that i don't have to worry it's my car. Im going to get approved for the XXXX XXXX XXXX XXXX purchase from them i tried to return the car on XX/XX/XXXX and was told they are working on it i asked to do in house once more and that they would call me back never heard back until XX/XX/XXXX because i filed a complaint with the dealer licence in XXXX fl. Telling me to come pick up my temporary tag cause it will expire on the XXXX this month. I drive there from XXXX XXXX in my other car to pick up the tag but XXXX  XXXX  wouldn't give because i didn't bring the car. I left and called the dealer licence rep that is on my case. He told me to try to find a finance company in XXXX XXXX. I tried but the car either was purchased from the company or my bank said it was to old to finance. Then XXXX  told me to go back home and bring the car back. 
I later received an email from the rep that is handling my case that he received notice from the dealer and the Westlake that i put false information on my application and if i don't bring the car back that they are going to have me arrested I put insurance on the car full coverage how could i steal a car from someone i want to do business with its been thirty days tomorrow i already knew they was trying to rip me off after the guy hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: NV

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT ATTACHED ACCOUNTS ARE NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: NV

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT ATTACHED ACCOUNTS ARE NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 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: FL

Complaint narrative:
id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX  XXXX  XXXX XXXX {$6300.00} XXXX XXXX XXXX. not my account. fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: FL

Complaint narrative:
id theft victim chapter XXXX bankruptcy. fraud account professional debt me XXXX   XXXX XXXX XXXX XXXX  {$6300.00} XXXX XXXX XXXX not my account. fraud account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: United Revenue Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX, the company United Revenue Corp. States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, the company XXXX XXXX XXXX States I have a debt with them and has reported it to my credit report. Pursuant 15USC 1618B, I have asked them to please provide proof of the application you have on file that I applied for credit with If there is no proof of contract please remove this item off of my report. I have not received anything back regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
DATE:XX/XX/XXXX AMOUNT : {$560.00} COMPANY : JSZ-FINANCIAL CO INC RESPONDED TO LETTER STATING THAT I OWED DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This is in regards to an American Express Bluebird account. 

I went to sleep last night with approximately XXXX dollars in my account. I wake up my account is locked, permanently. I don't have a clue as to why. I call customer service at XXXX. 

I spent five hours on hold, and being transferred around. I am told there is nothing they can do for me. Im am told that I am to write a letter, yes write a letter, to Bluebird Customer Care at XXXX XXXX XXXX XXXX  GA XXXX to see what they can do. 

This is my entire paycheck. I have no money for bills, rent, and food. I have XXXX children who can not receive meals at school as they are now at home due to COVID-19 precautions. 

My last purchase was for a XXXX in XXXX AZ through XXXX XXXX  XXXX XXXX on Thursday XX/XX/XXXX at approximately XXXX for a hold on rental equipment. I have the receipt for this purchase dated XX/XX/XXXX at XXXX as this is when I returned the equipment, but it probably wont process as the account is locked. I do not know what happened. They wont tell me. All they said is my account is locked and they can not open it. After being on hold all day I am now contacting you XX/XX/XXXX at XXXX. Thank you for your assistance in this matter Restfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
DATE:XX/XX/2020 AMOUNT : {$1100.00} CALLED THE COLLECTION AGENCY AND INFORMED THEM THAT THE ACCOUNT WAS NOT MY ACCOUNT AND THEY SAID IT WAS NOT ANYTHING I COULD DO ABOUT IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out several times to the bureau to remove this erroneous items from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate. 
XXXX XXXX /// Charge off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: TX

Complaint narrative:
DATE:XX/XX/2010 AMOUNT : {$1400.00} CALLED THE COMPANY AND INFORMED THEM THIS WAS NOT MY ACCOUNT AND THEY DINT HAVE ANY INFORMATION ABOUT ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
DATE:XX/XX/2017 AMOUNT : {$33000.00} I CALLED THEM AND INFORMED THEM THE ACCOUNT SHOULD BE SHOWING PAID IN FULL AND NO LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: MS

Complaint narrative:
I did not receive anything from this company stating a debt was owed. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with Equifax and was told in a letter that the account was updated but it was not removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, President Donald Trump declared a national emergency. I live in New York, and the number of cases in our state had already started to rise rapidly. I'm a high-risk individual who has XXXX, so I have been staying inside pursuant to Governor XXXXXXXX XXXX orders since XX/XX/XXXX. I'm an XXXX  who owns a XXXX XXXX, and I closed down my operations temporarily. I have not been able to afford to make payments on my credit cards. Both of my credit cards are with Chase. On XX/XX/XXXX, I first called Chase to ask if they could give me a forbearance on payments or a break on the interest rates charged. They told me they would call me back with more information. By XX/XX/XXXX, I had not heard from Chase. I called them, and they informed me they could do nothing for me. They wouldn't help with forbearance, or anything else, despite the fact that other credit card companies are providing forbearance to their consumers. We're in a time of national crisis and just passed a {$2.00} XXXX bill because our government knows how much we're struggling. I don't even know if I'll be able to feed myself next week, and yet can not get a simple forbearance from Chase on my credit card payments. This is outrageous, Chase must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted the credit card several times. First time was to set up automatic payments. I bought a watch, and I used the credit card only for that and intermediately together and agent that work for the company and I have never missed a payment. Apparently, it wasn't of my knowledge that the Credit Card received electronic checks first and started to take electronic payments later during the 24 months installments. I set up automatic payments with them since the very first payment and I didn't sign up for paperless. After months I wanted to know about the account and I called to see if all was right when I started to see that monthly payments were set up for more than the exact amount result of dividing the total debt in 24 months equal payments and on top of it all I was charged for late fee and interest on the late fees. 
I contacted the bank and it's been months exchanging letters, sending documents by mail, and spending hours with agents that don't have access to information older than 6 months. 
I have sent them official documents from my bank ( XXXX ) doing all the payments in timely fashion and not missing any of them. At the end of the 24 installments since auto pay was set up for an amount higher than the amount needed to satisfy the debt generated for my purchase i overpaid the credit card for the total amount of {$580.00}. 
However, the credit card insists that I owed them XXXX dollars and I claimed that on the contrary they need to pay me back {$580.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-28 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: TN

Complaint narrative:
HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 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: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
I did not receive anything from this company stating a debt was owed. 

Online Collection Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with XXXX  and was told in a letter that the account was updated but it was not removed from my credit report

Company response to consumer: Closed with non-monetary relief