vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I received a bank statement dated closing period XX/XX/2022. I promptly called and they advised me they would put a fraud alert on the account. I received another statement XX/XX/2022 and the account is still open. I called multiple times and was hung up on for no reason mid conversation as they were verifying all my details. Social, drivers license, dob and etc. After 4 calls they finally gave me a case number. Additionally if you ask for the fraud department you are transfers to a third party- how can this be allowed to occur? I am not confident this account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Finance LLC
State: DE

Complaint narrative:
XXXX XXXX repo a car from me a XXXX XXXX. i have been paying on this car for over a year with high interest rates and double payments a month. Like i said this company mislead people they give you a 60 months quote to get the high interest rates then reword it as number of payments so you pay back faster and already know your salary during the loan applications so they double payments so it make you hard to pay for them cause they know the amount of money you need a month to pay your bills with so the double up your payments lie to you and say they have there own insurance and but its really debit cancellation so no matter what they get there money from the car your payments and then reposes the car because they know when they started the loan. thats what loan sharks due and that's what American Finance do thats why they approve only bad credit people but i stop paying on the car because XX/XX/XXXX the tags and registration went out on the car in the loan you can see that they charged me for a 2 year tags and only gave me a XXXX year tag and the car wont pass expectation i called them they tell me they have nothing to do with the tags but do you want to make a payment that's on the dealer so. I called the deal they told me they have nothing to do with the car car no more because it belongs to American Finance now so now i called motor vehicles they told me that's on you and the finance company i called back they keep lying saying that they have nothing to do with the tags and i a email i have i will proved state they never charged me for tags and registration and i have the loan that's say the did and i will proved that to so until i got my tags i withhold payments so they repo the car its funny how they want me to hold up to my contract if you read in the last complaint filed they said you signed the contract and we just collection on what you signed but they not acting on there part of there contract that states they charged me for a 2 year tag with interest. they still want there payment but i got get the car register and tagged and paying for something that should have had this done already no more money out my pocket out my pocket and they still want a payment and never give me my tags but since i didn't pay I didn't obey by my contract they reposed the car. This is the biggest rip off company there is in fact i will you proved you with a email catching them in a lie and everything but still they have the right to reposed a car when they didn't proved what they say they was going to due this prove right here this loan was done on purpose to bring financial harm to me that's what loan sharks do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: FL

Complaint narrative:
As per the Fair Credit Reporting Act, all items older than 7 years and the XXXX for the XXXX years to start rings from the date of the first delinquency. There's a account with no balance just a negative comment on my report.2. WESTLAKE FINANCIAL SERVICES XXXX This account is obsolete- please delete

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 2022-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
Bank of America account was opened with my social security number. 

I received an E-mail from Bank of America stating that a new account had been opened and then processed, and then a new email was added to the account. I contacted Bank of America and provided my SSN to confirm a new account had been opened with it, without my permission.

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 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The company claims they sent something and I didnt receive anything. The dates communicated is not the original date. They havent provided any verification or validation of this alleged debt. What is the original date of the alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
So I have a balance on my rental history saying I owe {$4000.00} to a property which is incorrect so Im trying to get this resolved and off my rental history report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Kikoff Inc.
State: TN

Complaint narrative:
Ever since sometime during the last week of XXXX I have been trying to contact Kikoff to discuss my XXXX due dates of the XXXX and XXXX and why I could not make a payment or add a new method of payment and all I have received are excuses and " we will email instructions on how to do this '' when I have explained to them at least 30 times the website and app is not allowing to do this and there is nothing I can do about it. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 10 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. 

Now my account is a month overdue and I am sure they are not gon na have a single problem reporting me to the credit bureaus even though I have tried everything within my power to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: CA

Complaint narrative:
There is an account added to my credit report that is not mine. The account was never opened by me. I have never had any BOA accounts

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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
There has been several vendors all on either XXXX or XXXX that when purchasing a product that they charge much more on the tax that is from my state ( CT ) and when dealing with PayPal they do not give you back the overcharged amount. As they state it is part of the handling and service charges!?!? But when I deal with an individual vendor they always apologize and refund the overcharged amount! So I am not sure whos to blame either the foreign company or PayPal!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I pulled my credit report and noticed XXXX XXXX from Professional Credit Management. I was unfamiliar with the debt so I reached out to them to get more information. They noted some medical bills. XXXX was very old from XXXX that I don't recall. XXXX others were from during the pandemic in XXXX. I asked for an itemized statement and they sent me a collection letter with XXXX line items noting only the original creditor and amount due. I then contacted the original creditor to get additional details. The agent there said that one of the bills in question did not match my identity information she had on file. She was unable to provide much more information. I called the collection agency back and informed them that I was questioning the validity of the bill. During the time in question, I was pregnant and on state provided XXXX. I should not have been responsible for any medical bills at all. However, in talking to both the original creditor and the collection agency, neither can prove that the debt does in fact belong to me. They want to keep putting the responsibility on the other to rectify. I have disputed with the credit reporting agencies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I Opened a credit card request for Jet Blue due to a promotion they had to take ( - {$300.00} ) to a current trip. I bought a flight to new jersey through jet Blue Website also filling out the credit card application thinking it was going to be applied to the total. 
The notification I received upon finishing the application was that it was in processing and that they will notify me if I was approved on it. I never got the ( - {$300.00} ) to my total so I thought I wasnt approved. In XXXX I was checking my credit score because I want to buy a home for my family since we had a newborn on XX/XX/XXXX of this year. I noticed that there was a XXXX point drop on my credit score due to a credit card not paid in XX/XX/XXXX telling me that there was an account 30 days past due I then immediately looked to see what card it is and it was a Jet Blue card I received in XXXX. I knew I didnt make any purchases with this card so I called and asked why the charge and the company representative told me that it was because their annual fee is charged on the XXXX of XXXX! 
I was already being charged of an annual fee without even having the card yet. I was not notified of this charge anywhere. No letter was sent home nor email. As you can tell in my credit report. I am very careful about my credit and what I buy. I take care very much of my credit and for this to happen its just wrong from them. 
I tried calling the company and they told me that I must write a letter to you reporting this issue as there is nothing they can do from their part. I paid the full amount owed as soon as I found out about the charge, and I also closed my Credit Card with them. 
Please help me investigate this issue further and please delete this wrongful reporting from my credit report as it is more of a scam than fair. 
Thank you very much for your time.

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 2022-11-07 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This company is claiming that I owe a debt, but I have never had a relationship with Amsher Collection. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

Complaint narrative:
Unauthorized inquiries on my credit report that I did not consent not authorize these inquiries they are fraudulent and I need them removed immediately from my crediXXXX XXXX XXXX credit report. These are for the inquiries that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX finance ) XXXX XXXX. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX finance ) XXXX XXXX. XXXX XXXX XXXX finance ) XXXX XXXX XXXX. XXXX finance ( XXXX ) XXXX XXXX. XXXX credit ( XXXX ) XXXX XXXX. XXXX credit XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXXnance ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  ( finance ) XXXX XXXX. XXXX XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have fraudulent charges reflecting on my credit report from XXXX - XXXX XXXX XXXX XXXX XXXX which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. At this point and time I need to take this to a higher level to dispute these fraudulent charges.

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 2022-11-07 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: NV

Complaint narrative:
Please delete the following unrecognized credit inquiries. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022. 
I also attached the copy of the letter i sent you

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 2022-11-07 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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My balance has not been updated since XXXX. It has ruined my credit score and my ability to get a good mortgage. It takes weeks for a response and people in customer service XXXX XXXX XXXX XXXX. It's been a nightmare. I'm thinking about getting a lawyer at this point. It's unfair. Bread Financial doesn't give a damn about its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Tesla, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, they called me at XXXX XXXX at XXXX. I do not owe them. I filed bankruptcy in XX/XX/XXXX. They keep trying to call me and have not picked up their equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
Grant & Weber has been trying to collect on a medical debt on behalf of XXXX XXXX for the balance of {$1000.00} to which they are not owed. I have asked them to provide written proof of the debt and they sent me a copy of a bill which is attached. I have at no point and time entered into an agreement to pay XXXX XXXX any money for any services. I have at no point had any medical procedures done to my face, ears or eyelids as the paperwork they have sent seems to suggest.

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 2022-11-07 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: MS

Complaint narrative:
Went into car dealership, XXXX stated only they would pull my credit report, however multiple companies pulled report : 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 XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Went into car dealership, XXXX stated only they would pull my credit report, however multiple companies pulled report : XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 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 XXXX XXXXXXXX XXXX XXXX, Used XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX  XXXX XXXX  Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC is attempting to collect an alleged debt owed. I never extended my credit and entered into a credit transaction with them. There is no contract in existence baring a signature of me extending my credit to Portfolio Recovery Associates , LLC. They have falsely represented themselves and furnished deceptive forms to deceive and coerce me into paying an alleged debt owed. Portfolio Recovery Associates , LLC also has caused damage to my reputation and violated my right to extend credit by furnishing false and deceptive information on my consumer report

Company response to consumer: Closed with explanation