vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased my car on XX/XX/2023 I have been having problems with my car from the time I purchased it with mechanical problems now the business has closed. I'm still having problems with my car and the warranty doesn't exist anymore now the want to come and repossessed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express received the full payment 2 days after the due date XXXX, XXXX. The full amount was {$140.00} and American Express sent me a statement Fee Late {$40.00} + interest {$2.00} I didn't receive the mail to my home. that is why the payment went 2 days behind. I have been a loyal customer for 15 years. I always paid in full. In the past American Express removed the late fee. Since the customer service is out of the country notice they don't have empathy with citizens. I asked them to remove the late fee of {$40.00} and the interest of {$2.00} and they denied my request. It is not fair. I always paid in full. 
I'm a hard worker and any pennies count. I want to submit this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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:
been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my 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 2023-12-06 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: FL

Complaint narrative:
been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I requested a copy of my original signed contract from Barclays financial and was sent a copy of a standard contract without my signature on it. I also requested that the company provide me with a replacement card because I lost my original card and do not have access to the online portal because of it and was denied. I also requested help to reset my online portal or to obtain my original card number in order to log into the online portal and was denied. Barclays financial is required per SEC filings to abide by certain rules pertaining to consumer credit protection. If this issue is not resolved I will file a complaint with the comptroller as well as with the FDIC related to the companies involvement in securities fraud. Under TILA I am entitled to the fore mentioned. I am requesting this issue be resolved within 30 days or I will take action by starting a federal law suit. 
Installment Loan with XXXX 's bank partner, Barclays XXXXartner Finance, a trading name of XXXX XXXX XXXX XXXXXXXX, a wholly owned subsidiary of Barclays Bank PLC, ( Bank ). 
I spoke with a representative on XX/XX/ XXXX  at approximately XXXX XXXX EST.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
My student loan was transferred to this company. I submitted my payment plan application in XXXX on the XXXX XXXX  XXXX. This application was still pending in XXXX when I called. The person I spoke to then submitted it over the phone. I am getting emails saying I owe a payment in XXXX, but when I call, they state the payment plan is still being processed. I called again today and the first person I spoke to said the payment plan was processed and that the payment amount is correct, even though I have been told by multiple people that it was not ( on previous phone calls ). I then asked to speak to a supervisor and was hung up on. When I called back, I got a gentleman who said he would submit my application yet again. I told him I would really like a supervisor as this is now the 3rd or 4th time my application has been submitted. He was nice, but would not transfer me to a supervisor. I am very discouraged with this company. I am trying to get my payment plan figured out and have been for almost 4 months now with no clear answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: AL

Complaint narrative:
I am writing to dispute four inquiries on my Equifax credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows 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 I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Equifax take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I did a transaction thru cashapp with an online fraudulent merchant minutes after transaction i was made aware that website was fraudulent i contacted cashapp to stop process and payment to fraudulent websit i was rudely hung up on XXXX different times when explaining to cashapp reps the situation i was denied to speak with any supervisor as well as any cooperation cont info they basically told me o well let the scammers scam even tho me as a customer of theirs are telling them to not allow this transaction they are indifferent to assisting me in any way i also know firsthand they have the authority to cancel transactions as i have been a member of cashapp for a while and iv had one previous similar experience a few months ago where they stopped an transaction and reimbursed my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: CarMax, Inc.
State: RI

Complaint narrative:
XXXX car dealership- I went in to trade a car and carmax seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am writing this complaint because I keep getting a run around from XXXX and TransUnion on how I should submit my proof of my bankruptcy to have several accounts removed or corrected on my report. I submitted my letter with a copy of my social security card, driver 's license, current address, and my full name ( which is what they each requested ) on XXXX. On XXXX  I called into each of them to see about an update and they both stated that they see the documents, but they have not been processed. I spoke to a supervisor with each company and they stated that they would expedite the request as the documents had been sitting there since XXXX I called back today XXXX to check the status but they stated that the documents would not be processed since they were sent in by a 3rd party credit repair company. Why would they not have told me that the documents needed to come straight from me?! They knew that I was working with someone to fix my credit and they did not tell me anything. I have been the one talking to them, not my credit repair company. This is SO frustrating and has wasted the past XXXX or 4 months trying to correct this. The supervisor at XXXX was especially rude and pretty much told me that there is nothing that they can do about it and that I should ask more questions next time. This is ridiculous. You would think that someone at such an important place such as the credit bureaus would be much nicer and more help. I am very upset at the poor information that was given to me by XXXX and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
We have been calling XXXX XXXX since XX/XX/XXXX everyday or every other day until XX/XX/XXXX. XXXX XXXX has advised that they are not a mortgage company and our mortgage is owned by Lakeview Loan Servicing LLC. 

Attempting to communicate with Lakeview only puts you back in touch with XXXX XXXX. If this form is not completed, XXXX XXXX XXXX XXXX is going to access us {$9200.00} impact fees to build an addition to our home. The addition is going to cause no impact because only family is going to reside in it. 

We are not going to expand our family and my wife and I have lived in the home for 40 years. It would be a Biblical experience for my wife, XXXX XXXX XXXX and I, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX veteran, to expand our family. 

We are in a bureaucratic black hole between the of XXXX XXXX XXXX XXXX and the bureaucracy of being unable to get a simple form completed by whoever holds our mortgage. XXXX XXXX says they do not hold the mortgage and Lakeview is impossible to communicate with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

Complaint narrative:
According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 
XXXX XXXX I Last reported 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
I applied for discharge of my XXXX XXXX XXXX scholarship loan, provided via XXXX XXXX. Months ago I submitted via student aid.gov and through Nelnet. 

I withdrew from XXXX online Graduate program, when the first class I had was marked with undue harassment by the professor. 

The loan was originally a XXXX loan amount, which is now roughly {$1600.00} via Nelnet loan servicing. I am paying for this loan that did not serve me, as I withdrew. I have XXXX children in college that I need to help now ; I should not have to pay for an educational loan where I withdrew under circumstances brought on by the constant harassment of the professor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XX/XX/2023 : Received email that mortgage was being transferred to Mr. Cooper by XXXX and given information as to how to create an account. Account was created using instructions that week. 

XX/XX/2023 : Attempted to login to website to view balance and to change bank information to setup a new payment plan with new bank. Unable to login to account. Unable to recover username or password and given the error that my social/loan number/email were not in the system. Attempted to create account again in case an error happened the first time, received error stating an account already exists. Attempted to call customer service, but automated system would not connect without a social or loan #, both of which it stated on the phone were not in the system, automated system would then hang up. Chat function via website not functioning, says no representative available ( this was during business hours ) and does not have an option to join a queue. 

XX/XX/2023 : Have attempted weekly to establish contact via either phone or chat function with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I signed up for a Delta SkyMiles American Express Gold credit card in early XX/XX/2023. There was a promotional offer for XXXX Bonus Delta SkyMiles for signing up. Fortunately I emailed myself a screenshot of the offer because when the bonus came through it was only XXXX miles. I just called American Express and they said that I only signed up for the XXXX mile offer and that I can't switch now. That is obviously not what happened. Why would I take a screenshot of an XXXX mile offer and then go sign up for a smaller offer? I wonder how many people sign up for the XXXX mile offer and Amex accidentally places them in the XXXX mile offer. These " mistakes '' always happen in the big company 's favor, so they can't be random. I cancelled the card, but I would still like my missing miles. And more than anything, I would like all of these big companies that do this to consumers to stop. The reason I took a screenshot is because this kind of thing happens all the time. Even if they are required to give me the missing miles they will come out ahead because they will only be giving me what they should have given me in the first place, but most people won't even follow up on it so they come out ahead on all of those people. I don't understand why there isn't more severe penalties for consumer fraud, especially from big companies who have the resources to treat people fairly. The penalty doesn't have to go to me, but it could go to funding the organizations that are supposed to be overseeing this kind of thing so that they are better equipped to manage it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TX

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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 item of information, other than records of convictions of crimes 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 that the information is inaccurate.

Company response to consumer: Closed with explanation