vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am a natural person a living being, and I have rights under 15 USC 1693 Among its requirements. The rule mandates remittance transfer provides generally must disclose the exact rate, the amount of specifics fees, amount expected to be delivered to the recipient. Westlake financials is governed by these laws. I demand that they make me whole with providing me with a new vehicle free of charge.

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am on a payment plan of {$50.00} a month since 2012 to pay off a total balance of {$7000.00}. I never missed a payment! I called the call center to pay the rest of the amount I owe them. which is {$850.00} the payment plan was filed with the courts in 2012 When I told them I wanted to pay off the rest of my account, they refused the payment and said it was in an internal review with their lawyers and refused to take any payments. 
and told me to send them a note that I did not deny the debt. after paying on this debt for 10 years I'm gon na deny the debt. no, I wanted to pay the rest of the planned balance off I called them several times and got the same story, it was in an internal review. and they could not take any payments on the account. The default amount is {$9800.00} in other words. so basically if they can't take my payments for the account I go into default. 
I am a XXXX citizen on social security I did the right thing by paying my debts this is causing me lots of stress .and health problems please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX CARD Services Account # XXXX 2025 XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Today is XX/XX/2022 and I have received a notice from Jefferson Capital stating that I am being pursued for a debt of {$430.00}. The letter is dated for XX/XX/2022 and states that XX/XX/2022 was my last day to dispute the matter. 
I unfortunately was not able to check my mail from the dates of XXXX XXXX- XXXX XXXX due to me being out of town because of the death of my Grandmother. I was completely unaware of this matter. 
I can not even recall receiving any calls or voicemails from anyone about this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: CA

Complaint narrative:
I disputed with the credit beau regarding one of my items on my credit report. I asked them what did they use to validate that debt was mine. There was no signatures on that debt from 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 2022-08-29 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: WA

Complaint narrative:
To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial Institution.

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 2022-08-29 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: WA

Complaint narrative:
To Whom it may concern, please remove all tradelines being reported with any derivatives of the name XXXX XXXX XXXX that name has been copyrighted, I hereby revoke and rescind any prior written or verbal consent to use the name XXXX XXXX XXXX. See attached affidavit of publication. Failure to do so will result in a lawsuit against your Financial InstitutioXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
First, we wish to thank XXXX - Mr. Cooper for responding to our earlier posted shares of our experience and process in striving to keep our loan functioning. This shows the effectiveness of this protection bureau. A Mr. Cooper manager reached out to us by phone and did the right thing! In late XXXX XXXX of XXXX, They coordinated an adjustment to our loan situation that allowed us to defer payments for 10 months or pay per month at our discretion while we worked out the details on paying the amount Cooper had demanded. Please remember that we had been promised deferral on the full amount of the forbearance from the beginning, and Mr. Cooper had put us in the difficult position by then going back on that pledge. They had communication clarity issues with our specific lender bank, and would not honor their promise but just made the demand with threat of foreclosure. This is all detailed & recorded in written communications.

To continue with news of the adjustment the Cooper manager made this past XX/XX/2022... They gave us time to consider the details, got it all worked out, and when we agreed to the loan adjustment they sent us a formal notification that it was engaged and these were the new operating terms. We were thankful and relieved as we were now treated fairly by Cooper, and in good faith. This was after our 2 formal letters explaining the issues that their corporation had produced, and our communication with CFPB ( Consumer Financial Protection Bureau ). 

When we phoned in to make the monthly payment for XX/XX/2022, we were notified that the adjustment to our loan was no longer active! Yes! Try to understand this, they simply reneged, and removed it from their system, AND DID NOT NOTIFY US. We were unaware of this second reversal of promise by XXXX - Mr. Cooper. 

We sent them a 3rd formal letter on about XX/XX/XXXX, requesting the reinstatement of the formally and professionally agreed adjustment agreement. 

We have just heard back after about 20 days that while they acknowledge the error, they are unwilling to reinstate the agreement, and along with this notice they included an updated demand letter threatening foreclosure again. 

We are grateful that our engagement of CFPB worked the first time, and that Mr. Cooper did the right thing. Now we are back and sharing this continuity of their confused misrepresentations on account of their backing out of the remedy solution which worked so well. 

Consumer Financial Protection Bureau is truly needed in attempting to sort through the difficulties XXXX - Mr. Cooper is demonstrating at this time which has proven difficult for many corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: SC

Complaint narrative:
On XXXX I submitted a letter to Equifax information services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: SC

Complaint narrative:
On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right 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. XXXX. Account XXXX : XXXX XXXX Account XXXX XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : US DEPT ED 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 2022-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I paid XXXX for the car I took the loan out for with Santander bank and was told none of that money went towards my car payments. This bank caused me to be arrested because they contacted local pct and said to them my car was stolen secondly I kept getting harassed by the police and followed everywhere I went. This bank has also caused me my education and reputation because after arrest I was not accepted to finish my last semester of classes. Thirdly, harassed at my job by calling having individuals that were my higher ups fire me. Contact my housing and had my rent raised to the same amount as my mthly payments. I live in income based housing while I went to school and built myself from being in a family shelter with my children. A class action lawsuit was taken out and they lost forgave everyones loan and they still have that I owed them {$30000.00} way more then the car was worth and plus not adding the money I paid on the car on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: NJ

Complaint narrative:
I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in NJ where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28 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: NJ

Complaint narrative:
I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX  where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

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 2022-08-28 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: IL

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states 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 2022-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I will skip over all of the nefarious practices that Navient has been engaged in since ( at least ) the life of my Joint Spousal Consolidation Loan plan. My main goal now is to have a copy of my Master Promissory Note. I received a letter on XX/XX/XXXX stating the XXXX would be sent out within 10 days. I have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts are listed below XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America employee made an error by posting a payment on my account that I did not make. Then they reported to the credit bureaus that I had a high balance of {$1200.00}. The credit limit on my card is only {$500.00}. I have never charged anything on this card that is over my credit limit. I called Bank of America to fix this problem and they have refused. It is causing me to not get credit and home loan. I called and sent letters to Bank of America and to date they have refused to correct their error and report the correct " high balance on this credit card. I am being discriminated against because I am a XXXX woman. Bank of America is fully aware of their error and have refused to fix it. 
I wrote them numerous letters stating one of their Customer Service Rep at their call center processed a payment on my account that I never did. They have refused to correct my credit report and take off the high balance they are reporting. I never charged anything on this account to have a high balance of {$1200.00}. I been fighting them for over 2 years to fix this error. They have refused and doing this to keep a false derogatory information on my credit report to prevent me from getting loans and credit. Because I am a XXXX woman. Please stop this discrimination against me and fix my credit report with the correct information. 

Below is what is listed on my Credit files. All three, XXXX, XXXX and XXXX XXXX is reporting this inaccurate high balance : Bank of America Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms Paid Monthly Date Paid XX/XX/XXXX High Balance ( Hist. ) High balance of {$1200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/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 monetary relief
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Services Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Services Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation