vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I believe that the company 's actions have been highly improper and have caused me significant distress. I urge you to investigate and resolve this matter promptly. 

To provide some context, my mother, who cosigned on the vehicle, recently filed for bankruptcy. As per the legal proceedings, an automatic stay was implemented, which is intended to protect debtors from creditor harassment and contact during the bankruptcy process. Despite this legal protection, I was shocked to receive communication from a collection agency while my mother 's bankruptcy case was ongoing. This blatant violation of the automatic stay has deeply troubled me. 

In an effort to address this issue and understand the situation better, I diligently attempted to contact Westlake Financial to seek clarification on the matter. However, my repeated attempts to reach your office were in vain. The lack of response or assistance from your representatives during this crucial time added to my frustration and confusion. 

To exacerbate the situation further, I recently discovered that Westlake Financial claims that I should have continued making payments on the vehicle during the bankruptcy process. However, I was never informed of this requirement and was under the impression that payments were temporarily suspended until the bankruptcy was discharged. It is highly unfair and unreasonable to hold me responsible for payments that were not explicitly communicated during this challenging time. 

Given the lack of communication, contradictory information, and the threat of vehicle repossession, I find myself deeply distressed and concerned about the actions of Westlake Financial. It is my belief that such behavior is unacceptable and undermines the trust I placed in your company as a valued customer. 

I urgently request that you rectify this matter and provide a swift resolution. I expect Westlake Financial to honor its legal and ethical obligations, respect the bankruptcy process, and ensure proper communication and transparency moving forward. I also request that any impending repossession proceedings be immediately halted while this issue is being addressed. 

I kindly ask for your prompt attention to this matter. Failure to provide a satisfactory resolution will leave me with no choice but to escalate this complaint through legal channels and explore other avenues for seeking redress. 

I look forward to your swift response and a prompt resolution to this distressing situation. 

I spoke with XXXX Bankruptcy Specialist Westlake Financial XXXX XXXX She was rude and showed no empathy and also assumed the conversation I had with agent without any notes on XX/XX/2023, XX/XX/XXXX I spoke with 2 customer service agents that said they could not discuss anything. 
XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection agency that demanded payment twice as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XX/XX/2023, I was sent a Bj 's One, Capital One credit card. I never request this card. I never activated this card. 

In XXXX or XXXX, I was sent a bill for my BJs membership renewal from Capital One. They took it upon themselves to activate this credit card without my permission. 

I have since called the company. I paid the membership fee. They waived the late fee that I was assessed and my account is now closed. 

I am filing this complaint to make you aware of a practice of opening credit cards without the consent of the consumer. I am aware that this may have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I opened a Bank of America checking account through a link on their website offering a {$100.00} bonus for opening a new account and receiving {$1000.00} in direct deposits within 90 days using code XXXX. The bonus was supposed to post within 60 days of meeting the terms. I met the terms on XX/XX/2023 after receiving {$1000.00} in direct deposits from my employer. 

On XX/XX/XXXX I called Bank of America and was told no promotional code showed on my account. I explained that I applied using a promo on their website. They asked for the promo code I used three months prior which I did not know off hand. 

On XX/XX/XXXX I found that I had took a screen shot of the application with the promo code XXXX so I called back. I told them I had used the code. They then told me that they could see that the code was added to my application which contradicted what I'd been told the previous day. They then tried to tell me that I didn't have {$1000.00} in deposits to meet the promo. Then I manually added up each deposit and told them it came to {$1000.00}. Eventually they added it up and acquiesced. Then they told me that I did meet all the qualifications but that I hadn't received the bonus because 60 days hadn't passed yet. I then told them that the terms were met on XX/XX/XXXX and since today is XX/XX/XXXX that is well over 60 days. Then they said that it would be looked into. 
I recently read about the legal action against Bank of America and one of the issues seemed to be their unwillingness to pay bonuses even when terms are met so I decided to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened two new accounts with a {$600.00} member bonus promotion code. Both of my accounts were closed without notice via mail, without notice via email and without notice via telephone although all my information is on file. Also, I did not request my bank accounts be closed. I contacted the bank after receiving a check for {$1000.00}, and they stated my accounts were closed because my {$15000.00} check deposit didn't clear. My XXXX XXXXXXXX verified that check did clear and Chase received those funds on XX/XX/2023. In addition, I had a bi-weekly payroll deposit direct deposited to the checking account. My accounts were reopened XX/XX/2023 with my {$600.00} member bonus promotion " pending ''. However, I still have not received the {$15000.00} I deposited into my savings account that the bank stated they mailed to my home address as a cashier 's check. Those funds should have been put back into the Chase savings account immediately. I want my money now as they have it interest free since XX/XX/2023 and I have yet to receive the cashier 's check they supposedly mailed about XX/XX/2023. It looking like they have stolen my money! Futhermore, I want to make sure I receive that {$600.00} member bonus promotion code, as I completed all the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is listing unknown relatives on my report and then using their information to verify my identity. I have no relationship whatsoever to " XXXX XXXX '' or his/her spouses or addresses. She is unknown to myself and to my husband, XXXX XXXX XXXX and is not a related in any way to either of us. 
I have written to Experian and requested " XXXX XXXX '' be disassociated from my credit report. I can not get ahold of them by phone. I can not get online access because I do not know how to answer their security questions in regards to " XXXX XXXX '' as a suppose relative. 
I would like this resolved.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-12 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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have written and talked to them on the phone and was told they would investigate and update it in XXXX days. Nothing was changed. They claim no discrepancy was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written and talked to them on the phone and was told they would investigate and update it in XXXX days. Nothing was changed. They claim no discrepancy was found.

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 2023-07-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-12 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: AZ

Complaint narrative:
XXXX I attempted to use ingo bank 's mobile check cashing service. I was denied. I had this same issue several months back and was told the problem was resolved and I am ok. now I am being told I am permanently denied due to something that happened in XXXX I explained I was a victim of identity theft and had no clue what she was speaking about. She said I needed a police report. I explained there isn't one because I am just finding out about this. and it has been 6 years and I'm not sure I can still receive one. She was rude and not helpful. she refused to give me details as to what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX Re : Credit Acceptance Violations of FCRA, Usuary and Truth in Lending Laws To Whom It May Concern : I am writing regarding my Auto Loan Account with Credit Acceptance Corporation. This lender has violated the Truth in Lending, Usuary Laws and has been reporting inaccurately on my account that displays on my credit report which violates FCRA Regulations. 
I financed a XXXX XXXX XXXX in XX/XX/XXXX. The initial balance financed was {$23000.00}. 
The current balance now as of XX/XX/XXXX is {$22000.00}. Next month will be a year since Ive been paying on the loan and my total balance has only been reduced by {$1200.00}. 
For starters, Credit Acceptance has violated XXXX Usuary Laws by charging me over 16 % in interest for this loan. My rate is at 19.99 % annum. This is predatory lending. 
They gave me an option to make payments bi-monthly on the XXXX of each month and the XXXX of each month based on when I got paid when I signed the contract but still continue to charge me late fees each month after the XXXX of the month. Why set up this arrangement if late fees will be incurred. Even though, I have made several full payments within 30 days, they report my account 30-60 days late because of late fees. 
This lender does not look out for the best interest of the customer. 
Furthermore, 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) has been violated which states in Subpart C : ( 3 ) Subpart C relates to closed-end credit. It contains rules on disclosures, treatment of credit balances, annual percentage rate calculations, rescission requirements, and advertising.

Credit Acceptance is telling me that my current pay-off is good through XX/XX/XXXX is {$22000.00} but is not fully disclosing how they came to this pay-off amount based on the payments Ive made for almost a year. This is a violation of Regulation Z pertaining to installment loans and closed-end credit. I called Credit Acceptance on XX/XX/XXXX after receiving a payment history statement. The representative assured that everything was correct and there were no violations. I noticed that my initial balance on the statement had been {$39000.00}. This is the total balance I would pay after 66 months but I am being charged the full interest and priciple combined. 
I am requesting that my account be reviewed and that this situation be rectified within 30-days according to FCRA regulations. I have attached, a payment history and my initial contract for this vehicle. 
Respectfully, XXXX XXXX Cc : Credit Acceptance Corporation

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 2023-07-12 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: TX

Complaint narrative:
I previously on several occasions requested a description of the procedure used in investigating these accounts on my credit file but have not received them. This company is violating my rights under 15 U.S.C 1681.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BANK OF AMERICA AND SOMEBODY ELSE OPENED UP AN ACCOUNT UNDER MY INFORMATION WITHOUT MY CONSENT AND KNOWLEDGE... .I 'VE BEEN WITH XXXX FOR WELL OVER 20 YEARS AND I NEVER OPENED AN ACCOUNT WITH NO OTHER BANK OR CREDIT UNION SINCE THEN ... .I 'M PROVIDING A PHOTO OF A BANK STATEMENT FROM BANK OF AMERICA SHOWING THE ACCOUNT SUMMARY OF THE FALSIFIED 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