vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I noticed that both Companies BridgeCrest and XXXX are failing to accept my Right To Rescind under code 15 U.S. Code 1635. And cfpb 1026.23 Right of Rescission. Also on the forge contract it gives an option for Arbitration agreements require that persons who signed them resolve any disputes by binding arbitration, rather than in court before a judge and/or jury. What is binding arbitration? Binding arbitration involves the submission of a dispute to a neutral party who hears the case and makes a decision. 
BridgeCrest is a scandalous company along with XXXX, the Bill of Sale and Retail installment Agreement has a digital computer signature that was added to the documents. I never signed. It was never sent be XXXX through email or upon delivery of the terms, conditions and none of the information was extended warranty. I tried multiple times to contact XXXX and was unsuccessful. BridgeCrest failed to provide a proper remedy. I have compare my signature on the documents and I have a email from XXXX stating that didnt know I had an account or email associated. I had to provide them it. Which come to my next issue if they provide me the documents through email, upon delivery of docs and car they would have known my account information. I spoke with one representative over the phone she told me she will contact XXXX and call me back and she never did. Provide me the proper information pertaining to the arbitration process immediately. Which means a date, time, a representative an $ a solution because that Information that was provided on the contract is inaccurate because I tried that process as well.

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 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Concord Servicing Corporation
State: CO

Complaint narrative:
I am writing to file a formal complaint against concord regarding their conduct in attempting to collect a debt associated with a timeshare at XXXX XXXX XXXX. 

On XX/XX/2024 I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the aforementioned debt. In response, I promptly contacted the agency via email on XX/XX/2024, disputing the validity of the debt and requesting additional information to validate the claim. However, the response I received from Concord on XX/XX/2024 failed to adequately address my concerns or provide sufficient documentation to verify the debt. 

Furthermore, despite my explicit request to cease all communication via telephone on XX/XX/2024, I have continued to receive multiple phone calls from Concord with the connecting line hanging up, ive called back with them unable to Id the source of the call from within their company. These calls have persisted despite my repeated requests for communication to be conducted solely via mail or email. 

I am deeply concerned by the lack of transparency and failure to adhere to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The conduct of Concord has caused me significant distress and inconvenience.

I respectfully request that the Consumer Financial Protection Bureau : Investigate the conduct of Concord in attempting to collect the debt referenced above. 
Ensure that Concord ceases all further communication via telephone and adheres to my request for correspondence to be conducted solely via mail or email.

Require Concord to provide complete and accurate documentation to verify the validity of the debt, including the original creditor 's name, address, contact information, and method of billing.

Take appropriate enforcement action against Concord if violations of the FDCPA are found. 
I trust that the Consumer Financial Protection Bureau will take prompt and appropriate action to address these concerns and protect consumers ' rights. 

Thank you for your attention to this matter. 

Furthermore, I want to emphasize that no prior contact was made via mail or email regarding this debt before I received the collection notice. This lack of prior communication is concerning and raises questions about the validity of the debt collection process employed by Concord

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Under FCRA, the same debt is not allowed to be collected from two companies. XXXX XXXX XXXX XXXX ( XXXX ) is in violation of FCRA by reporting a balance due and collection status although they sold the debt in XX/XX/2024. 
Due to their violation of FCRA, I request that you immediately and permanently remove this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I am writing to file a formal complaint against this agency for consistently reporting inaccurate information on my credit report, despite my repeated efforts to dispute and rectify the errors. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) has caused significant financial and emotional distress, and I kindly request your intervention to resolve this matter appropriately. 
I submitted a dispute regarding multiple inaccuracies on my credit report. According to the FCRA, the agency is obligated to conduct a reasonable investigation into the disputed information within 30 days. However, despite this requirement, they failed to conduct a proper investigation and instead verified the inaccurate information without providing any valid evidence. This violation of my FCRA rights has resulted in ongoing damage to my creditworthiness and has hindered my ability to secure favorable lending terms.

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing this complaint of my own accord. It is not a material misrepresentation and this was not done by mistake. This is a legitimate complaint because Bank of America has violated several of my rights as a consumer. 
Specifically the following : 1. ) 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

2. ) 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation. 

As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Institutions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option. Thank you for your time and prompt action to help me remedy 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've just recently checked out my credit report and noticed that my old accounts that are closed is still on my report its been charged off and closed but never been removed this issue has become a problem and actually dropping my score and hindering me from being able to apply for on going credit

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 2024-02-12 00:00:00
Product: Credit reporting 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 insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
On XX/XX/year>, I submitted an application for PSLF with Mohela. My payment tracker indicated I had XXXX payments that counted towards PSLF, and another XXXX that were eligible but just needed employment verification. I applied for forgiveness and requested that my loans be put under forbearance during review of my PSLF application. My loans did not get put under forbearance. I called MOHELA in XXXX and asked for my loans to be put under forbearance while my PSLF application was being reviewed. They said they would manually put my loans under forbearance. It did not happen, so I messaged them through MOHELAs website on XX/XX/year> and asked for my loans to be put under forbearance because my PSLF application was still being reviewed. I received no response in this regard. MOHELA messaged me later that day and said that my PSLF application was denied because the dates were transposed, which was incorrect. I responded to them that the dates were correct, but did not receive a response. Several days later ( XX/XX/year> ), MOHELA messaged me that my PSLF application was denied because my employers signature wasnt valid. I resubmitted a PSLF application the next day ( XX/XX/year> ), and again requested forebearance while the application was being reviewed. They still have not put my account in forebearance while the PSLF application is being reviewed. Instead, they sent me a missed payment notice on XX/XX/year>. I believe that I am eligible for forgiveness under PSLF according to their payment tracker as I have 22 months of eligible payments that require employment certification, and XXXX payments that already qualify for a total of XXXX payments. I would like for MOHELA to put my account in forbearance and review my PSLF application. Hopefully they will put my account in forbearance and forgive my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
XXXX XXXX I noticed online there were hard inquiries on my credit profile from 700 Credit XXXX XXXX XXXX. Later in XXXX, I also received a letter stating the same thing and I noticed my name was also spelled incorrectly. I have attempted to contact 700 credit and XXXX XXXX but they have been no help nor could they prove I authorized a hard inquiry on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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 Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. XXXX for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that XXXX and Transunion initially blocked those two accounts, but they re-appeared months later.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. Experian for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that XXXX and XXXX initially blocked those two accounts, but they re-appeared months later.

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 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I was charged {$57.00} twice by mint mobile. I have disputed this transaction with chime XXXX times. I submitted my cell phone bill showing my phone number associated with my chime bank account and the dispute was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX and XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX - XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Total Amount : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX USA Contact Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX Contact Number XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Contact Number : ( XXXX ) XXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-1XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have reviewed my credit report in XX/XX/XXXX. I have noticed 2 Amex Credit Cards were opened fraudulently. I was living in XXXX since XX/XX/XXXX and only returned to US in XX/XX/XXXX. 

1. Amex Platinum Credit Card ending # XXXX 2. Amex XXXX XXXX Credit Card ending # XXXX I have notified Amex fraud operations that the above accounts do not belong to me. I have also provided FTC Report, Police Report and ID proofs to Amex Fraud Operations at least 4 different times. I was issued Case # XXXX, XXXX, XXXX, XXXX, XXXX, Case # XXXX, Ref # XXXX I have followed with Amex by over 40-45 phone calls, the latest phone call was made today and spoke to XXXX XXXX in Amex Fraud Operations and XXXX XXXX in Amex Credit Bureau Unit. XXXX XXXX continued to state that Amex will not stop reporting inaccurate business credit card information on my personal credit profile, XXXX XXXX claimed the reporting of business credit card information on personal credit profile is per federal guidelines. When I asked to provide evidence, I was asked to send a letter in writing to Amex General Counsel. I did fax a letter to XXXX. 

Due to inaccurate reporting which is a result of identity theft by Amex, my mortgage got denied, this was informed to Amex as well. 

I am attaching the following documents to with this compliant 1. Letter faxed to Amex on XXXX XXXX, XXXX 2. FTC Report 3. Police Report 4. Amex XXXX XXXX Credit Card Statement ( received from Amex recently ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This balance is incorrect. It is unreasonable that I have been trying to get this resolved for over 5 years. The {$50000.00} payment was not corrected posted in the first place. I had to fight to get this corrected and this took almost 2 years. As stated the balance was {$51000.00} after the {$50000.00} payment, {$940.00} payment XX/XX/XXXX, XX/XX/XXXX, {$940.00} payment XX/XX/XXXX, A payment of XXXX was made on XX/XX/XXXX, payments of {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were made, and {$10000.00} was made on XX/XX/XXXX. A total of {$50000.00} in payments have been made. The current balance can not be {$38000.00} as stated in the letter. Payments have been made over the current balance, so again there should not even be a balance.The payments have exceeded the balance by {$12000.00}

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