vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchased a Vehicle in XXXX from Us Auto Sales- Whom I have had several Complaint with the XXXX. The car began randomly shutting off 2 weeks after purchase and continues to do so. 2 Months ago I was told to take the vehicle in for a diagnosis. When I called back to advise what the diagnosis was US Auto was closed without any notice or guidance. About a month ago I found that a new company located in XXXX XXXX name Westlake Portfolio XXXX has my loan and they began demanding payment. I advised them that this was a breach of contract according to GA law and requested a supervisor. I am never provided with a supervisor. I have asked where was my warranty, Title, and contract and they do not have it. They have stated they would provide me with a copy of the power of attorney from us auto and they stated they only have a copy of my Title and it is still in the name of US auto. Each person I speak to places me on hold when I call and ask these question and will hang up about XXXX minutes of me holding - on XX/XX/XXXX I spoke to 3 individuals. The first person requested that I make payment regardless of them not providing me with the information requested and then told me my car my car was up for repossession. I spoke to another gentleman who said it was not up for repo. Lastly I spoke with a supervisor who advised me to speak to the legal department. I call XXXX XXXX at XXXX who states he could not assist me and he did not know why they gave me that department. I have sent emails as well - No response- I wake this morning XX/XX/XXXX and my car is gone- I have always paid my care note. I am a mother of XXXX young people. Today I had to take a XXXX XXXX, the XXXX XXXX. the XXXX XXXX and the XXXX XXXX to get to work. I am utterly disgusted. This company wanted my money with no explanation and also threated my credit. I just need help. I am in no position to purchase a new car. They said I was 45 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the three bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the three bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their file

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 2023-08-17 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: LA

Complaint narrative:
I contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the three bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the three bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their file

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 2023-08-17 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: OH

Complaint narrative:
the is an collection on my credit report that does not belong to me and i have a legal right to dispute anything on my credit report that does not belong to me according to the FDCPA. HERE IS THE ACCOUNT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI
State: CO

Complaint narrative:
I have told the original company XXXX XXXX XXXX the debt was no longer owed, sent prove was discharged with my bankruptcy four years ago. Now they sold the debt off to general revenue XXXX XXXX and added XXXX XXXX more dollars and they are harassing me, my work and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX Portfolio Recovery filed a motion for continuing writ of garnishment on a debt that was paid in XXXX and was charged off in XXXX ( 11 years ago ). Over the years Portfolio Recovery has contacted me about this debt and in XXXX I explicitly told them I had paid this debt with XXXX  XXXX ; as I had acquired new credit cards from them and I had to pay my outstanding debt to be in good standing with the company. This seemed to suffice at the time ; however, 5 years later, Portfolio Recovery has now contacted my employer ( XXXX XXXX XXXX  and is trying to collect a debt that was paid, not valid and they did not validate ; since my last interaction with them. This has no doubt caused reputational damage to my relationship with my employer and when I contacted them today XX/XX/XXXX to notify them of the issue. None of the XXXX litigation representatives which include XXXX XXXX, XXXX XXXX, and XXXX XXXX were able to assist to rectify the problem. Instead, they gave me the run around by having me file a dispute which takes XXXX days to resolve, while my employer will be debiting my account in the next 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX, I was denied a loan opportunity. This denial that is adverse to me as the consumer and business owner. Im inquiring on what exactly is delinquent and what account has a high utilization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I live in XXXX, Idaho. Chase Bank says I used my debit card at a XXXX ATM at XXXX XXXX XXXX XXXX XXXX Pa on XX/XX/2023. I and my debit card were on an Alaskan cruise when this happened. When I got my paper statement in the mail, I saw that charge for {$300.00}. I immediately called my bank cancelled the debit card and ordered a new one. Chase has sent me " proof " after their " investigation '' that I used my card ... All it is, is a transaction number, there is no other information. What I found out with my investigation is that the transaction was at XXXX XXXX This ATM is in an office building that is closed from XXXX to XXXX. I have asked Chase numerous times to show me proof it was me, the pin # and the video of the person who used my card. They refuse. I believe this was a mistake on their part. Why would someone go through the trouble of stealing my info, creating a debit card ( and how could they know my pin? ), did they check the balance before proceeding? That should be in their records, and they only used it once to take out {$300.00}? I didn't cancel my card for probably 2 weeks, because I didn't notice it until the statement came and I was checking everything. You would think they would have done a lot more damage, there was {$45000.00} in my checking account at the time. When I contacted XXXX, they said they can't give me any information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I paid my Comenity account in full recently and the company did not report the pay off to the credit bureaus having a major and significant impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I used PayPal for a friend to send me funds and PayPal charge me {$32.00} fee and then a {$18.00} fee to transfer to my card this is excessive I am new to PayPal and didn't know they charge these fees as it never stated that when signing up therefore they are highway robbery company they charge excessive fees not even my bank charges that much I only did this for a friend who said they can only send me money via PayPal otherwise I would have just had a check sent! PayPal needs investigated for excessive fees being charged it's not fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe TransUnion XXXX and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. XXXX. Proof of right to own/ collect this alleged debt XXXX. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX bankruptcy dismissed

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I believe XXXX XXXX and Experian has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. XXXX. Proof of right to own/ collect this alleged debt XXXX. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX bankruptcy dismissed

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened a business credit card in XXXX. I attempted to pay my bill on time, but online, on my written statement, and over the phone, my balance appeared as {$2.00}. When I paid the card online, the only amount it showed I needed to pay was {$2.00}. I knew there was more charged on the card, but couldnt figure out what amount or how to pay it. I was assessed late charges while trying to figure this out. 

When I called to close the account and pay off any outstanding balance today, I was informed that there are apparently XXXX buckets in their system. XXXX bucket has the amount I owe on the card and there is another bucket or container that has the minimum amount due. I was only given access to the minimum amount due and that was misleading and fraudulent. That is why I wanted to close the card today. 

The reason Im reaching out is because when I closed the card, the personnel on the phone did not inform me that they were recording my call until the very end. They did so only in response to me asking for an email verification that the account was closed, insisting that the call was recorded, and that was my proof. However, they did not understand that the proof was only in their hands and not mine. They insisted they could only send me a written statement, which I worried would not arrive, and so I requested some other proof in the form of a confirmation number or employee number so that I could call back and verify in case the letter did not arrive in the mail. They said they could not do anything further, and refused to let me to speak with anyone else. Then they hung up on me. 

I called back, and the gentleman who answered did give me a confirmation number, but I hung up feeling like this was not on the up and up. I am concerned that they wont close my credit card, and will somehow charge me or affect my credit later on. Also, they were very misleading as to how, and what amount to pay on my card. If anyone else were to take out a credit card with them, I would hate to see them rack up charges and late payments not knowing that they have this really obscure and not readily apparent system of only revealing and allowing payments of {$2.00}, yet charging late fees for the remaining unpaid balance.

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 monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my complaint about CAPITAL ONE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2023-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems, My account is frozen - I need for you to MAIL my Replacement pin to me.

Do *not* send via the online portal - I do *not* have access to the online portal- as I need a pin- which you never send me.

Please mail me my Replacement Pin.

Attached to this complaint is : - Drivers license - Social security card - My correct address to MAIL the Replacement Pin to

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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Webcollex, LLC
State: AZ

Complaint narrative:
I have been working out a debt settlement with CKS Financial. They have my cell phone number and email and I have been extremely responsive about my desire to work out a settlement with them. We have talked on the phone, their chat window, and email. 

I talked to them as recently as yesterday just asking to verify that they own the debt for XXXX as well as what payment methods I could pay with. 

They then decide today to start calling my place of employment. They spoke with a coworker both identifying that they are a debt collector and asking to speak with me. 

I have the screenshots from the employer saying that they are a debt collector.

Company response to consumer: Closed with explanation