vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Issue Summary : In approximately XX/XX/XXXX, I applied for an auto loan with Westlake Finanancial Due to an erroneous negative mark on my credit report, I was given a high interest rate of 17.8 % on a {$9100.00} loan for 48 months. Approximately 1 month ago, I discovered this error and had it corrected with the credit bureaus. 

I have contacted the bank to request an adjustment to my interest rate, given that the original rate was based on inaccurate information.and escalated to a third level manager, where I sat on hold for over an hour. I requested a call back, and no one called me back. The bank has refused to adjust my rate, stating they " don't do refinancing '' and that I need to refinance through another bank. 

My Efforts to Resolve : On XX/XX/XXXX, I called the bank 's customer service and explained the situation. The representative refused to help. On the same day, I escalated to a supervisor who also declined to assist. On the same day, I escalated to a third-level supervisor at the bank. I sat on hold for over an hour, and eventually requested a call back, and I have not received a call back. In each conversation, I explained this is not a refinancing request, but a correction based on erroneous information. I offered to provide documentation of the credit report error and its correction. Despite these efforts, the bank refuses to review or adjust my rate. 

Desired Resolution : 1. For the bank to review my current, accurate credit information.

2. To have my interest rate adjusted to reflect my true creditworthiness, potentially saving me approximately {$3400.00} over the life of the loan ( if the rate were adjusted to 6 % ). I would like access interest paid to this point to be credited to my account ( {$1200.00} extra at 17.8 % to a normalized 6 % ) I believe this situation is unfair as I am being penalized for an error that was not my fault. I am seeking the CFPB 's assistance in resolving this matter and ensuring fair treatment based on accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My issue is with XXXX, XXXX and Equifax consistently reporting false and misleading information on my credit files, with each showing different accounts with numerous errors. 

Simply stated, EACH of these 3 are reporting accounts showing charge offs, accounts showing as late and account balances owed, which can not be accurate. Each of these reporting agencies keeps verifying false information and continues to report things that logically can not be accurate. 

First XXXX, is reporting that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors. An account can not be both charged off and have a balance owed legally and they know it. This information is misleading, false and needs to be corrected both in the time line posted month by month, as well as the overall data, which shows multiple mistakes, as none of the above accounts are even currently owned by these banks. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance Next, XXXX is doing the exact same thing with accounts for XXXX, XXXX, XXXX and XXXX. Each shows a charge of month after month with a balance owed and a late amount as well as a credit line and a balance. This logically can not be accurate reporting, as an account can not have a credit line, a balance and a late amount, if it was in fact charged off and is owned by some other company, as they are claiming. 

Equifax is also doing the same thing, with XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  and XXXX  accounts are all charged off, late and I have a balance owed to the original creditors, which can not legally or logically be accurate. 

I am unsure how these credit reporting agencies even go through the correct process, knowing this information not only can not be accurate, but is clearly false. You do not need an accounting degree to understand debt ownership claims and these companies know these credit card companies report selling off debt ever day. How are they allowed to report such misleading information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I had a membership with XXXX XXXX, about that time I was going through a divorce separation custody battle financial abuse from my ex-husband, and I was having to relocate out of my XXXX XXXX due to emotional and physical abuse. At that time I contacted XXXX XXXX  and requested to put my account on hold. Explain the situation why and they said that would be no problem. They said I could do it up to a year. I told them that I foresee my circumstances being far better within six months, and I will start the membership back up again. They said no problem. 

Upon XX/XX/XXXX, I went into branch and explained I am ready to start that membership back up again. 
They said because I would have to re-enroll and set up another account which I thought they knew what they were doing so I agreed. 
Most recently that I had previously put on hold has shown up in my credit report upon contacting XXXX XXXX. They explained that when I signed up for a second account that took the account off and sent it to collections. 
The account at XXXX XXXX  agreement number is XXXX And it is currently being held by first credit Debt collector. 
Their phone number is XXXX I reached out to them and explained this. 
And I also reached out to XXXX XXXX  and they said since the debt has already been sold, I will have to handle it with a debt collection agency but I want further help on this because im a XXXX  XXXX  still going through a divorce, minimal income and amount of debt and I have struggled to keep my credit up and I am not liable for the step because I did the right thing and I contacted XXXX XXXX  as soon as I knew that it would be a struggle and they agreed to put it on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My car was a total loss due to an accident. My insurance paid off {$16000.00} and my GAP coverage had paid {$4800.00} which was sent as a direct deposit on XX/XX/year> to Bridgecrest Financial my lien holder. They have applied the $ XXXX to the account. But are holding off for 14 business days to apply the XXXX to my account. Which is causing for my loan to accrue more interest and increase my pay off amount. I sent in {$200.00} as a partial payment. To try to cover the difference based on the money that has been sent to them. They are expecting me to maintain paying the same monthly payment until they decide to apply that payment to my account. They as denying even receiving the money even though Ive provided them with the transaction number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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.

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!

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I asked National credit systems to validate alleged debt with a copy of contract and other information.this account is reflecting open and late which is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to XXXX on multiple occasions, via phone, mail, cfpb etc to no avail and have yet to get my issue resolved. The list of negative items have yet to be removed even in providing the necessary documents requested of me! This is not right and If not expedited I will be suing for monetary relief as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I was victim of an online scam. A guy I met online and was talking to for weeks told me he was a coin base trader. He convinced me to open a XXXX XXXX  account and transfer XXXX and he would help me. He sent me a fake link where I input personal financial information. He then told me to send my XXXX and buy XXXX and send to XXXX XXXX The XXXX link he sent me was fake and the money was gone. I confronted him but he blocked me, I found all the pictures he ever sent me were someone elses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
Greetings, Ed Financial has never process my auto-payments and repeatedly dismisses requests for correction sent to XXXX. I believe this is a deliberate effort to avoid honoring the XXXX XXXX interest rate deduction they advertise for auto-pay at : XXXX XXXX XXXX XXXX EdFinancial will not accept autopay while XXXX relief is in effect. 
?? XXXX Enrolled in auto-pay. 
XX/XX/XXXX EdFinancial notified me that payments will resume in XXXX. 
XX/XX/XXXX XXXX auto-pay does not occur. 
XXXX? ? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XX/XX/XXXX. 
XX/XX/XXXX Auto-pay does not occur. 
XXXX?? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XXXX. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XXXX. 
XX/XX/XXXX I opened a support ticket for non-functional auto-pay. 
XX/XX/XXXX EdFinancial support informed me it takes XXXX billing cycles for auto-pay to take effect and estimated next auto-pay date on website autopay section is meaningless. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX I opened a support ticket for non-functional auto-pay. 
XX/XX/XXXX EdFinancial support informed me account is in administrative forbearance, which pauses payments. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XXXX? ? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I opened support ticket for non-functional auto-pay. 

Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/year> I mailed a dispute letter to Equifax, I included my Equifax confirmation # and my current IDs. A social security card, recent XXXX XXXX XXXX XXXX and XXXX confirmation of my address. I believe I have done everything correctly. XXXX XXXX XXXX accepted the exact same IDs and have processed my dispute letters. 

On XX/XX/year> I receive a letter from Equifax, telling me the documents are illegible? 
Are you kidding me? This is a STALL TACTIC to avoid processing my dispute letter. I have read all about Equifax doing this on the internet! 

You tell me if my IDs clear, enlarged, legible and recent. I demand Equifax process my original dispute letter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: KCB Credit LLC
State: FL

Complaint narrative:
I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to KCB CREDIT LLC. I am writing to appeal that you block the non authorized information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I payment was made in the amount of {$300.00}. The {$300.00} has cleared my bank but has not shown up reflective on my account. In calling on XX/XX/year>, XXXX and talking to XXXX XXXX she informed me that even though my bank has cleared the money, which is reflective of the payment, due to me paying {$300.00} toward the card, they are now holding on to the money for 26 days because of a high payment toward card balance? So now I have {$300.00} paid to them which is not reflective and will not be for 26 days because I paid a high amount? Surely this is a violation of some kind as there is nothing I can do to request an override or anything. Like the money is not accessible to me. After accepting the payment.

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 2024-08-07 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: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/2024 I went to a atm to take out money. My bank is with Wells Fargo and this was while I was traveling in XXXX. This atm was in a local XXXX. I prompted the atm to withdraw XXXX U.S. dollars converted to XXXX dollars, but because I did not like the exchange rate provided by this specific atm, I hit cancel on the transaction, waited for my card to be returned, did not see any money be dispensed, and proceeded to withdraw from a different bank atm with a better exchange rate. This can be seen on my account. The described canceled transaction was pending on my account for a while before eventually being posted, despite me canceling the transaction. 

Wells Fargo said they have investigated and said all signs show that the atm dispensed money despite me hitting cancel and walking away with no money. This does not make any sense since I vividly remember hitting cancel on the transaction and I had zero intent on withdrawing money from that specific atm. All I know is that if the atm truly did dispense money then it was not an authorized transaction performed by 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 explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good Afternoon On XX/XX/year> there was a suspicious XXXX payment sent to someone I did not authorize the XXXX payment was for the amount of XXXX $ and Chase declined the XXXX payment a couple times before they actually decided to approve it and let it go through. I made a dispute in which they gave me the money back until they investigated, after 2 weeks I see that they declined the claim and took the amount out of my account leaving my account on a negative balance. They were not able to prove that the transaction was me that authorized it, all they said was they couldnt help me further. I am sure you are aware that it is illegal to wrongfully accuse me of this transaction without any proof. And I will indeed take legal actions if I have to. I am requesting full validation that this indeed was me.

Company response to consumer: Closed with explanation