vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-06 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: Westlake Services, LLC
State: FL

Complaint narrative:
In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, westlake financial ( original auto loan lien holder ) and XXXX  XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to Westlake Financial to verify. They said to contact Westlake. I have contacted Westlake and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: TX

Complaint narrative:
After reading my credit report I noticed false inquiries that were not made by me on my credit report. One from XXXX XXXX XXXX XXXX as well as XXXX XXXX Services. These inquiries were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus.

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law. 

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Equifax never conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Im a XXXX XXXX  who is unemployed and not able to pay the credit card debt. I will like if you can please leave me alone and stop contacting me until I can find some work, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After receiving verified account accuracy from the credit bureaus on a reported bankruptcy. 

I the contacted the United States District Court XXXX Division who confirmed that they do not furnish information to credit bureaus. 

How can this information be 100 % accurate if it was not received from the actual alleged furnisher? it was received by a third party? 

On XX/XX/2021 I mailed an affidavit of truth to XXXX XXXX stating but not limited to XXXX XXXX is illegally furnishing information on and to my consumer report that I did not consent to nor authorize and violating my rights to privacy. The way such information is obtained is unethical and against the law.

15 US Code 1681a ( 4 ) Congressional Findings and Statements of purpose ( a ) accuracy and fairness of a consumer report. ( 4 ) There is a need to insure that a consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect to a consumers right to privacy.

15 US Code 1681b ( 2 ) Permissible Purpose of a consumer reports : Any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 US Code 1681a ( e ) The term INVESTIGATIVE obtained through personal interviews with neighbors, friends, or associates of the consumer Transunion never Conducted a proper investigation. No documents of verification methods were provided.

And an unrebutted Affidavit from XXXX XXXX serves as Truth.

I am a federally protected consumer and natural person. Under the FCRA 100 % Accuracy and Verifiable is what Congress permits and the 14th Amendment protects my privacy.

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 2021-09-06 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I submitted my completed application for loan forgiveness ( attached ) on XX/XX/21. The document was denied on XX/XX/21 for reason stated in the attached document, none of which match the document received as it states several items are missing when they are clearly present on the document submitted XX/XX/21. An additional document was submitted on XX/XX/21 ( attached ) and a phone call was placed by myself to Fedloan. When asked about the denial for the original document submitted XX/XX/21, the reason given was that " the employer filled out more than they needed to, '' which is not a reason stated on the rejection denial letter. When asked about the new document submitted they stated it would be processed and I implored them to figure out what happened with the first document so the same would not happened with the next. When calling XX/XX/21, another reason for the initial denial was given by employee ID # XXXX ( XXXX ) for the initial document being denied, and the individual I spoke with later that day employee ID # XXXX assured me the document would be reviewed by their supervisor that day. When calling XX/XX/21, I was informed by employee ID # XXXX ( XXXX ) that the second uploaded form from XX/XX/21 had been denied because they believed the signature was tampered with, once again not a reason give on the denial from XX/XX/21. I was then given the assurance again from employee ID # XXXX ( XXXX  ) that the document would be reviewed that day and it is now XX/XX/21 and the issue is not resolved. 

Other employee IDs spoke with : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I was using PayPal for many years. However, last summer, PayPal decided to put restrictions on my account as it pertained to sending and receiving money, as well as depositing the money into PayPal. I was not given a specific reason as to why this occurred, and tried to speak with the company on multiple occasions, to no avail. Their customer service either did not pick up the phone, and when they did, they were not helpful with their replies. I also emailed multiple times and no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: PA

Complaint narrative:
I have a loan with UAC/CARHOP with account number : XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I basically did all the homework on this and figured it all out. Mr. Cooper pocketed {$320.00} in overage after my principle was paid off. I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. I use double entry accounting method under XXXX  open source software. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me from the software categorizing monies in and monies out. At any rate, the summary is below. 

MR. COOPER UNPAID BALANCE GOING INTO SETTLEMENT $ XXXX XXXX ) was the principle left to pay going into the settlement. 

{$510.00} was my additional payment of principle on XX/XX/XXXX. 

$ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). XXXX XXXX SETTLEMENT ACTIVITY {$260000.00} was sent to MR. COOPER by XXXX XXXX $ ( XXXX ) was the new loan amount at XXXX XXXX $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY MR. COOPER XXXX WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 

{$260000.00} was sent to MR. COOPER by XXXX XXXX {$1500.00} Overage $ ( XXXX ) Mr. Cooper disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that MR COOPER failed to pay out to me, which I am recovering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with CNAC/XXXX  / J.D. BYRIDER. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY. 
CNAC - XXXXBalance $ XXXXDate Opened : XXXX XXXX, 2017 CNAC/XXXXXXXXBalance $ XXXXDate Opened XXXX XXXX XXXX, 2017 J.D. BYRIDER-Balance $ XXXXDate Opened : XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
About i went thru a brooker to get a V.A.loan and was placed with XXXX XXXX to start my payment was XXXX at 4.8 percent intrest rate, in about a year my payment up to XXXX the intereast stayed the same.now the whole time i was never late with my house payment. I called XXXX asking the about refinanceing to get my payments lower because i ; m a XXXX XXXX on XXXX percent disable with XXXX XXXX XXXX XXXX on a budget and would like to get my payment down they were not interested. I got hold of vennsa from American and they were happy to refinancs=e me to get mymeric payments lower. after getting the paper work done with A merican XXXX said the only thing left was to get the buyout from Rushmore/ Well thats when the problems started, i contacted Rushmore on the XXXX XXXX after waiting two weeks and hearing nothing from rushmore. XXXX and her boss XXXX ask me if i mind them getting hold of Rushmore. aftrer two weeks Rushmore came out saying i owed back payments fromR XXXX which i had to go to my bank to show that was a lie. after that they came up why they would not give American the buyout ; Finally after going back and forth on XXXX XXXX they recived the buyout from Rushmorealmost 3 months. Iin the mean time Rushmore went tto XXXX the credit reporting company saying i was 3 months behind on my mortage and my credit score went from almost XXXX XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination from Equifax were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC
State: KY

Complaint narrative:
I have received numerous phone calls from Global Trust Management. Previously when they called and I would answer, the call would be disconnected before speaking with someone. On XX/XX/21, at XXXX EST, I received a call from them again. I spoke with a woman who requested I verify information with her. I refused to self-identify until I was given more information about who was calling. I also stated numerous times that I do not wish to receive calls from them anymore at this phone number and requested a cease and desist. The woman refused to accept my request saying she could not do so without verifying my information. The woman calling then provided a deceitful statement that the call was NOT associated with debt collection or a debt collector. When I then self identified, I was notified that the call was indeed an attempt by a debt collector to collect a debt. I again requested a cease and desist of phone communications to my number which she again refused and was extremely rude saying so youre just not going to pay back this moneyokay and things of that nature. I confirmed that the phone call was on a recorded line, requested a cease and desist, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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