vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
We called west lake financial for a simple extension. We were never told initially we would accrue any interest or late fees but were told we must wait 15 days after the due date to request an extension. I then called in and I was told I must pay an NSF  fee and a late fee. After being hung up on numerous times by numerous agents I asked for the NSF  fee and the late fee to be waived due to issues with a supervisor and numerous other agents and I was told that in order for to me to get an extension I would have to pay {$50.00} in order to get it they also told me that if I paid the {$50.00} my extension would be guaranteed. They said by not paying the {$50.00} I would have to call back and its not guaranteed. I feel like this is almost an illegal business practice for our financial institution and I want reviewed. I also have a recording from the final call which I did tell them that the call was being recorded where they admitted to all of this. I would like all fees and internet carried waived due to the neglect and mistreatment. I also was told that the manager I spoke to was the only manager available and I could not speak to any other manager, which made me feel like I had no other resources to help me as a customer.

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 2022-07-23 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: AL

Complaint narrative:
In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to XXXX, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In June I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it XXXX points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XXXX  XXXX  and be done with this terrible nightmare. Disputes on XXXX  and Equifax lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: AL

Complaint narrative:
In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to Covid, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In XXXX  I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX  Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it 43 points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XX/XX/XXXX and be done with this terrible nightmare. Disputes on Experience and XXXX lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.

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 2022-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My car loan was thru Wells Fargo Bank. I paid the car loan off in 6 months, when I traded the car to a car lot and purchased a SUV, because my husband had to have XXXX XXXXXXXX and was no longer able to get into the smaller car. 
The loan had gap insurance and a warranty service that was purchased with the car, but the service contract was for 72 months. since it was also paid off early, they owed me a refund from the insurance company. The insurance company sent the refunds to the car dealership where I had purchased the car and the insurance. The dealership paid me the warranty refund from the insurance company but said Wells Fargo would refund the gap insurance. I called them to ask when I could get my gap refund. I was told as soon as the insurance company paid them, they would send it to me could take up to 120 days. at this time, I did not know the insurance company had paid both refunds out on XX/XX/22. This shows the man lied to me and presented false information to me the consumer. Wells Fargo wrote a letter to the XXXXXXXX XXXX and said they were not to pay me, they would pay it to me, the gap insurance, so I went to Wells Fargo, got a run around about they had not gotten it, it takes a while thru the system, a man named XXXX was very rude when I called on the phone, He informed me I was on day 73, of their process, so I still had a while before they would pay me. I recieved a call from a lady named XXXX, she said she would check into and get back to me within 10 days and try to get this settled, Well it has been ten days and no word. I am over XXXX XXXX XXXX, I am XXXX, taking care of my XXXX husband who is XXXX XXXX XXXX. They have over XXXX XXXX dollars of my money and I am getting no where in getting it back. I have a letter to show proof it has been paid on XX/XX/22 Wells FArgo says they are not using our money, so if that is not the case then why are they not paying us since they were paid by the insurance company. It should not take 4 months to send us our money. They did not have to take it from the dealership since the money was not theirs to begin with, the dealership sold us the insurance, but for some reason the wells Fargo Bank took it saying they would pay us. Can you please help us get our money back. I know I could not b e 4 months behind if I owed them money now could I. Thank you for your help

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 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX, I tried to use my debit card, was declined. PNC closed my checking account without notice. Was given no explanation ( I understand now they don't have to ) I've called, chatted and visited two branches and constantly was told, rather rudely, that they can terminate any time without reason I have banked with them for decades, always maintained a substantial balance, never bounced a check, used my debit card almost daily. I also have about ten accounts linked that uses auto pay to debit my account. Most importantly, I get direct deposit every month, that I pay bills and live off of. I was told the direct deposit would be returned to sender. Sender was not able to stop the direct deposit, as there was not enough time and I was told it could take up to XXXX months to reissue. I can not pay important bills, etc.. 

Also, as I only had XXXX business day to try to rearrange my whole financial life, redirecting debits to another account, XXXX debits posted for XXXX and XXXX dollars ( and some change ) I was charged {$36.00} service fee each. I don't know how many other things will post. I've been working feverishly to try to update different accounts, etc. My direct deposit I was told will be sent back to sender, at which point they wll have to reissue. It could take up to two months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-23 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  account # XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: MO

Complaint narrative:
I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I pay XXXX a month twords my loan. Moved my payment of XXXX to the XX/XX/XXXX. Now there trying to charge me XXXX Monday for no reason. I'm not late on any payments and you can not get incontact with the company. They don't answer phones. Emails or socal medias. I owed XXXX now it's jumped to XXXX. I only borrowed XXXX. You can't get a hold of anyone to figure anything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: CORELOGIC INC
State: GA

Complaint narrative:
credcoXX/XX/06-21 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
credco-XX/XX/06-21 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and XXXX as well Credco-XX/XX/2021 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XX/XX/XXXX XX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report XX/XX/ALPHCOS XX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and 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 2022-07-23 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: MI

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: MI

Complaint narrative:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. In additional, I have sent letters to 3 bureaus however I haven't receive any response from them. I am questioning the capabilities of the bureaus on their investigation. Please do something on this! 
XXXX XXXX XXXX Balance {$0.00}

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 2022-07-23 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: MI

Complaint narrative:
I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is a follow up complaint to ARS. ARS stated : We respectfully disagree with the consumer 's interpretation of the applicable statutes, and feel that we have complied in accordance with the law. 

Despite my efforts to rectify this matter concerning ARS has to date, failed to prove that this account is mine. ARS have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately. I have documented my correspondence with you, and I have filed complaints with the appropriate authorities since you have not removed this item from my credit report. 
This will serve as your legal notice pursuant to the provisions of federal law, the Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt referenced above, including the frivolous reporting of this account to any credit reporting agency. If you fail to heed this notice and if I find that this entry on my credit report later interferes with my ability to obtain credit with favorable terms, I will bring suit against your company as well as the original creditor for all applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA. 

You are also notified that should any adverse information continue to be placed on my credit reports as a result of this notice, appropriate actions will be taken. Please give this very important matter the attention it deserves.

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 2022-07-23 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: FL

Complaint narrative:
I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account 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 2022-07-23 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: FL

Complaint narrative:
I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted request via certified return receipt to Equifax regarding removing the below inaccurate items from my credit report. 


This inquiry was not authorized! 
XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation