vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
I purchased my car on XX/XX/2019 for {$20000.00} and I put a {$3000.00} down payment resulting to {$17000.00}. I have paid {$420.00} each month and sometimes even more. Its past two years and it shows that I still owe around {$14000.00}. My payments hasnt been going down. In my statements shows that sometimes it only goes down XXXX dollar. Please help. This car has ruined my life and now I dont even have money to take it out. My payments never went down and Westlake financial service is robbing me!! Its cause a big XXXX  affect on me because Im been XXXX  about paying my car on time during the pandemic and now having to deal with this situation. Also, please contact me with a XXXX  lawyer. I had to use a translator for 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 2021-09-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Last 4 of SSN : XXXX The following account was charged off as of ( XXXX, 2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX - XXXX Best Regards, ENCLOSED IN COMPLAINT ARE MY BILL AND IDENTIFICATION CARD

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 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
My cash app account was hacked on XX/XX/XXXX and {$700.00} was stolen from my account. The company dismissed my claim but it was their application that was hacked. They claimed that a known device was used to transfer money from to other people before so that is why they think this transaction is authorized. My phone was stolen on XX/XX/XXXX and I have transferred using cash app since then from a new device so shouldn't their same rationale be applied and they should have questioned transactions from 2 separate devices? THEIR SECURITY IS LACKING AND THEY SIMPLY DO NOT WANT TO BE ACCOUNTABLE. 

I provided cash app with the usernames of the people wo stole my money but they refused to approve my claim or find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
hello I have a Capital One Platinum secured card with a starter limit of ( XXXX dollars ). I've had this card for almost 3 years. In XXXX from XXXX to XXXX, I lost my job and I was not able to make payments on the credit card and once I missed a payment in XXXX XXXX. Total of 5 missed payments. I've made on time payments for this card for 2 years in a row starting from XX/XX/XXXX to present. Yet the credit card companies still reported this late payment history on my credit score. I need help removing these derogatory marks because I've tried to call Capital One and I was told by them that nothing could be done. XX/XX/XXXX one time late payment was a mistake i made and XXXX to XX/XX/XXXX was a job loss and could not make payments. I am asking for help in this matter, again I've been on time for 2 years now and I want these derogatory remarks removed PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Applied for forbearance with ally bank in XXXX of 2020. After they admit they coded account incorrectly and XXXX of letters, emails and calls o am no closer to being able to make payment or fix my credit We even have payments we made with banking numbers given to us by ally never go through. 

We want our second mortgage to resume payments and have our credit fixed We send the documents they want many times and each time told thats all they need and then get another letter asking for exact same info Latest letter asks for my tax return while saying they have my tax return

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: IN

Complaint narrative:
Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1. I had applied for an Auto Loan on XX/XX/2021 and started researching some Cars by shopping around the Dealers for around One Month. 

2. Unfortunately, even though all of my Credit applications were within a period of One Month, the TransUnion credit report shows that there has been 13 hard inquiries to my account which is incorrect and that needs to be treated as only ONE inquiry as per the Credit Bureau norms since it was made within a period of 30 days window and moreover MOST of the Inquiries were within a period of 14 days window.

3. When I tried to dispute the number of inquiries with TransUnion, they are asking me to PAY a fees for the dispute saying only paid members can dispute any reports. Screenshot attached herewith.

4. When I am trying to call the TransUnion on their phone number, it's always transfered to an automatic answering system which says my identity could not be confirmed and I need to fill an onine form in www.transunion.com to dispute any item on the Credit report which again asks for a FEES for any disputes or annual Credit Report.

5. Also, I tried to request my Credit Report online but again TransUnion is demanding Fees for the Report which they need to provide FREE OF COST once each Year.

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 2021-09-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.

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 2021-09-20 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
As a consumer and natural person, Ability Recovery Service has violated my rights. Ability Recovery Service has failed to provide me, the appropriate documents requested to validate the alleged debt of {$2900.00}.

Ability Recovery Service has invaded my rights to privacy by having my personal information.

Ability Recovery Service did not have my written consent or permission to contact me or have my information. 
I, XXXX XXXX, the consumer and natural person has been violated of my rights, according to 15 usc 1692.

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
So I received a text message saying that it was from my back and they gave a number to call ( XXXX ) XXXX it said that it was the security company from my bank ( PNC ). The robot said that my card was locked so it asked for my 16 digit card number, the expiration date, the CVV number, it asked for my pin and my social security number as well. I gave all that out because it seemed like it was my bank in the text message but I ended the call once it asked for my birth date. I called my bank but they were unavailable to answer so I would have to wait for a working day to speak with someone. The number that texted was XXXX. 
This happened on XX/XX/2021 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: CT

Complaint narrative:
I'm teaching my XXXX year old son whom has XXXX XXXX, how to balance a check book using my online XXXX XXXX account. He knows we want to go on a mini-vacation, but money is tight because we have to move out next month. Last month, he took it upon himself to apply for a XXXX XXXX credit card in my name while I was in the bathroom & he was supposed to be practicing, so we could afford to go. The credit card application was denied. I called XXXX XXXX and they sent me a letter stating they would remove the inquiry as " in error '', but encouraged me to write the creditors. I wrote all three creditors and sent them a copy of the letter from XXXX XXXX. Experian still has not dropped the inquiry. Now, I am applying for a rental contract because my mother died and I have to move out of her house. The house had a reverse mortgage and her death puts it into foreclosure. But. Even though my XXXX score is XXXX and my XXXX score is XXXX, Experian has me at XXXX, due to this inquiry. So. Here 's the deal. I know that the CFPB has the power to run my data and help me remove this bogus inquiry. I need help and I need it yesterday because the application is going in tomorrow and this report may stop me from getting the rental for my family. Please for the Love of God Help Me. In Jesus 's Name! Amen.

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 2021-09-20 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: DISCOVER BANK
State: AL

Complaint narrative:
I have disputed an account on my credit report, Discover Financial with the credit bureaus. XXXX is reporting the account with a {$0.00} High balance, date of last activity XX/XX/2021, and no closing date. XXXX is showing {$1100.00} High balance, date of last activity XX/XX/2021, and no closing date. This is a true fact on inaccurate information and reaging of the account because there is not a true date the delinquency occurred. I have ask the credit bureaus to delete the account. 


Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
Rent Recovery Solutions says I owe them {$910.00}. I already pay this debt off to them back on XX/XX/XXXX of XXXX. I sent them a cashiers check in the amount of {$5100.00}. I then received an email from them saying that I owed XXXX dollars, and that my account was now closed. I received this notification on XX/XX/XXXX of XXXX. The debt was removed from my on-site rental history report as well as my credit report. In XX/XX/XXXX, rent recovery sent me another bill in the amount of {$910.00}. Since we had already negotiated the original debt, and I paid off the agreed upon amount, they should not be saying I owe them money again. About two months ago, I submitted a dispute describing the situation, onto the on-site rental website. I heard back and was notified that the debt was valid, according to XXXX. The notification also said that if I did not agree with the decision, that I would need to talk directly to Rent Recovery Solutions for Resolution. I first started calling Rent Recovery Solutions about four weeks ago. Every time I called, no one was able to figure out why I owe for the {$910.00}. They said that I would need to talk to the woman who was assigned my case, Miss XXXX. I called repeatedly over the next couple weeks, and Miss XXXX was never there. I asked to be forwarded to a supervisor, and they transferred me every time. This went on for two weeks, and every time they forwarded me to a supervisor it went straight to a voicemail. I would leave an in-depth explanation of why I was calling, and I would played that they called me back soon as possible. I have never received a phone call back from them. My husband also has this debt on his on site rental report. He needs to move in with me into my apartment I live in now, but he can not be added to the lease as long as this debt still shows on his on site report. If he is not on the lease, I am not allowed to have him live with me. He is in ill health and needs to live with me now more than ever. It is as if Rent Recovery Solutions is holding my life hostage by not helping me resolve this situation in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX XXXX have attempted to dispute this erroneous item on my credit report that does not belong to me. Credit Bureaus please choose your words wisely as I will be using this dialog to bring a law suit against you if my request is not granted as this has already caused damage to me and my business. I am requesting the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. 

Federal Ct XXXX If you can not provide proof please remove this account immediately as this is now my 3rd request over the last 90 days and you have now violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX XXXX have attempted to dispute this erroneous item on my credit report that does not belong to me. Credit Bureaus please choose your words wisely as I will be using this dialog to bring a law suit against you if my request is not granted as this has already caused damage to me and my business. I am requesting the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof you have on file of the accounts listed below. 

Federal Ct XXXX If you can not provide proof please remove this account immediately as this is now my 3rd request over the last 90 days and you have now violated the law.

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 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am on forbearance with XXXX XXXX until XX/XX/2021, they sold my mortgage to another lender and reported my account as delinquent on XX/XX/XXXX which is totally false! I contacted XXXX XXXX and they stated that they were diligently working on the error. My credit score has dropped more than 20 points and the issue has yet to be resolved.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The bureaus put a collection on my credit report what is not mine they don't show me a signed contract with my signature and they refuse to take it off my XXXX and XXXX report, and now not only that they even put a higher dept on the same account like I said is not even mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have sent letter to XXXX, XXXX and XXXX about disputing the inquiries listed on my report. I did not authorize my credit report to be released, nor do I have any relationships with either company that is reported these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have disputed with XXXX about a credit account that was removed from credit report. 
I have contacted the business that is placing the account on credit report every month. 
Navy Federal credit union has reported the account since XX/XX/XXXX and it was removed for some reason in XX/XX/XXXX by mistake.The creditor has recently reported the account 2 times since i reported the mistaken removal.I have contacted XXXX about the problem for them to tell me to keep disputing it with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief