vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: OH

Complaint narrative:
cks financial are harrassing me they have called 13 times today

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: DE

Complaint narrative:
I paid this loan off in XXXX. I do now know why Westlake is assessing a {$280.00} past due payment or for what. I received a letter from them in XXXX stating a payoff balance for the loan, but I already went through that process! I do not believe I owe them {$280.00}, there must be some kind of mistake, and Westlake is acting like they have no knowledge of any of this!

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 2021-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with CiG financial on XX/XX/2017. A consumer credit transaction in which violations and fraud was commited. CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violation pursuant to 15 usc 1611 and 15 usc 1640.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: MI

Complaint narrative:
Check into cash has quite obviously committed violations, using deceptive methods, and ultimately violating my rights as a federally protected consumer under the fair debt collection practices act ( 15 USC 1692 ). They have called and text me many times and sent me an email on XX/XX/2021. They stated that I owe them debt in the amount of {$4500.00} which is a violation in accordance to 15 USC 1692b ( 2 ). They also contact me at unusual and inconvenient times which violates 15 USC 1692c ( a ) ( 1 ). In addition to this, they are guilty of attempting to coerce payment, threatening me, and leaving voicemails that do not disclose who they are, which violated 15 USC 1692d ( 1 ), 15 USC 1692d ( 4 ), and 15 USC 1692d ( 6 ). I notified this company in writing with a cease and desist and affidavit of truth stating that I refuse to pay the alleged debt theyre accusing me of owing and the violations they have committed against me. Those items, along with an invoice for each violation which totaled up to {$9000.00}, were sent on XXXX XXXX and were received on XXXX XXXX. I also filed a cfbp complaint on the XXXX and attached all the documents that I mailed to them. They responded to the complaint on the cfbp website XX/XX/2021 stating that they disagree when they are obviously guilty of these violations and according to 15 USC 1692k ( A ) each violation makes the company liable to compensate the consumer with {$1000.00} for each violation. Also, since I have sent the cease and desist which means all communication in relation to debt collection must cease, they have still contacted me which is another violation as well. I have contacted the attorney general and will go even farther if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My father passed in XXXX of 2021 of XXXX. I am the executor of his will. I have been trying to close out his checking account with USAA XXXX XXXX XXXX ) since late XXXX. I have called faxed and written letters ( certified mail ) with all the information necessary to close the account. ( I have closed all his other bank accounts using the same info ). I even had my attorney write them a letter to inquire about why we can't close the account, to no avail. I have verified with USAA that they have received the information but they will not respond any further. I finally spoke with their insurance division and cancelled his auto insurance and they assured me that someone from their survivor relations would be in contact, but nothing. Not only have I had to deal with the loss of my father but dealing with USAA 's ignoring me has led to additional frustration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I began disputing an unverified bankruptcy with Experian in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Experian credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my Lexis Nexis consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Experian had not conducted a proper investigation into my dispute. According to my Lexis Nexis report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same XXXX XXXX report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Experian once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages XXXX and XXXX from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Experian is continuing to report unverified information on my credit report. I would like the item deleted immediately because Experian refuses to conduct a proper investigation into this matter.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a MoneyLion Debit Mastercard from MoneyLion/XXXX. The card was attached to a XXXX account. I did not open this account, and I did not request the card. I did not activate the card once it arrived. Instead, I tried to find out how this account had been opened, and I tried to make sure it was closed. I tried all three of the contact modes listed here : https : //moneylion.zendesk.com/hc/en-us/articles/360032632292-How-Do-I-Contact-Support- ( chat, phone, and email ). Chat and email redirected me to phone, though, so there was really only one contact mode : phone. When you call the phone number ( XXXX [ XXXX ] XXXX ), there are endless phone trees that don't include an option for closing an account, for reporting a fraudulently opened account, for talking to a representative, etc. And if you don't choose one of the available options, the call is terminated. 

In short, I have found it impossible to reach anyone at MoneyLion who will give me some information about this fraudulently opened account and help me close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
During COVID PHH Mortgage offered forbearance plan. 
Ended it with company XX/XX/2020. 
Agreement to have amount added to end of loan. Payments were current. 
They continued forbearance till XX/XX/2020 without my permission. Now they want all forebearance payments up front, did not honor agreement on recorded phone call agreement, no requested documentation received. 
Reporting scam, will now affect my credit and cant pay all during XXXX recovery. Pursuing lawsuit please assist and advise as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
CC CB/VICSCRT XXXX XX/XX/XXXX {$0.00} CCB/CHLDPLCE XXXX XX/XX/XXXX {$0.00} medical EMERALD AR XX/XX/XXXX {$1100.00} XXXX 'S XXXX XX/XX/XXXX {$56.00} HLTHCARE COL XX/XX/XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Ive been contacted repeatedly by TransWorld Systems Inc. Ive asked them to stop calling me and they have stated they dont have my number in their system and are unable to stop calling me. I last spoke with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: WY

Complaint narrative:
the account XXXX XXXX is showing late or missed payments XXXX and XXXX of XXXX i have provided a letter from the creditor stating that the was no missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; Santander Consumer USA. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where Santander Consumer USA are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX  XXXX- XXXX XXXX XXXX
XXXX  XXXX- XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX 
XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  2021- XXXX XXXX XXXX  XXXX- XXXX XXXX

MERCHANT USED BY NAVY FEDERAL IS CONDUCTING CONSUMER BASED FRAUD PYRAMID SCHEME. REFUSAL TO REFUND MONEY BASED ON CONSUMER AND MERCHANT BASED FRAUD. XXXX XXXX XXXX  WAS PRESENT DURING THE WALKTHROUGH OF THE FACILITY. PERSON IS KNOWN FOR FRAUDULENT BUSINESS PRACTICES. REFUND BY DISPUTING CHARGES HAS BEEN INITIATED OVER 9 DAYS AGO. NAVY FEDERAL HAS PREVIOUS BAD BUSINESS PRACTICES WITH MERCHANT SERVICES. SUBMITTAL OF COMPLAINT  DURING XXXX, LED ME TO A ZERO COMPENSATION AS THE LAWSUIT AMOUNTED TO AN ASTRONOMICAL AMOUNT. ERRORS IN BANKING MERCHANT SERVICES CONTINUE, FROM UNCOVER AND LINK TO CALIFORNIA MERCHANT SCAM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I got this company named XXXX XXXX XXXX called to my son from the phone number XXXX and told him that they have a legal case against him. He got nervous and tried to get some information then they noticed that they called the wrong person. They provided with the case number XXXX to him to ask me to call them back. 

I called and they said that they have a summons to serve me because I'm being sued. I asked who is filing that and she said that I have fraudulent opened and some other retoric with legal terms words to tell me that I commit a federal fraud. Of course I got scared, then asked for details and she said that was a bank account in Wells Fargo opened from XXXX to XXXX. I claimed that I ad contact the bank because 2 years ago I got same call and at the bank they have nothing. My last account was closed with XXXX balance. And the collector is asking for {$1200.00} including fees and interest. Checking my rights I found that I don't have to pay fees or interest not previuosly signed and accorded. Also this account is way out of the statute of limitations, we're talking about 9 years at least. 

When I told them about my rigths she said that this kind of lawsuit will not be protected for the Statutes of Limitations because is considered like a federal student loan and protected by federal agencies. I didn't found anything saying that. I don't know if that is true but to me they fail since they contact the wrong person telling him that they will act legally against him.

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 2021-06-18 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: TX

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
please check the following accounts that appear in my report, without any authorization, are not mine Identity Theft BK OF AMER Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: MI

Complaint narrative:
I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX, and AD XXXX XXXX, along with the inquiries from clarity services and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.

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 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have a contract with CONSUMER ADJUSTMENT CO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been unable to access my Transunion Credit Report for over a year, via multiple modes. I have tried accessing it via XXXX and via the Transunion website, and I continually receive error messages which prevent me from accessing the report, which I have a right to view. I am able to access my XXXX  and XXXX  reports with no problem. 

Several months ago I spent hours on the phone with Transunion attempting to resolve the problem, and was ultimately informed that TU had two files for me ... one under my legal name ( XXXX ) and one under my nickname ( XXXX  ). I asked that they merge these files, which they did and I was briefly able to access my report as expected. The problem appears to have reappeared. 

I called in again today and was informed that I will need to contact the Special Handling department in order to resolve the issue, which is indeed the same as before. It is a national holiday and therefore the office is closed until Monday. 

I do not wish to call Transunion every single time I need to see my credit report in order to resolve this issue and I am deeply confused and frustrated as to why this issue keeps happening. How difficult can it be to deal with a person 's legal name and nickname which are both registered under the same SSN?

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.

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 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.

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 2021-06-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing a complaint on all remarks made on my credit report due to the fact of misused credit by lenders and the unauthorized use of my information for the financial gain of other corporations. Credit Bureaus without my consent and took my information to report on my credit report of accounts that have been created with credit but was not disclosed with consumer. The natural person original creditor. 

There are 6 different accounts from DEPT OF ED/NELNET All last reported on XX/XX/2021 which I was not informed on any of this information being reported. 

The price on each account is as follows .... 
{$26000.00} {$24000.00} {$20000.00} {$20000.00} {$3600.00} {$1500.00} There is no wet signature of mine on any document stating I owe any and or such alleged debt they state I owe. According to 18 USC 8 Obligations of the United States to pay any and all debts arising from consumer transactions.

Company response to consumer: Closed with explanation