vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I took an auto loan out from US Auto Sales almost 3 years ago. I remained current until they closed their company earlier this year. After which, Westlake Portfolio Management took over the loan. They refused to send a power of attorney for almost 2 months. At which point they claimed I owed over {$1000.00} in " late fees '' that accrued while I they refused to send a POA. Once received, I attempted to work with them. Requested that they differ these " late fees '' to the end of the loan, they claimed the interest raise on the {$750.00} differed would increase drastically enough that I would own an additional {$5000.00} at the end of the loan. They also claimed I owed over {$17000.00} on the principle of the loan. I told them this was impossible as the total loan was {$20000.00}, and I had been paying for almost 3 full years. Should be at most XXXX XXXX remaining. They said I was wrong. I requested a copy of the contract to validate the amount owed and the interest rate. They refused, and continued to refuse any and all validation or documentation from that point forward. Their customer support team is abusive, and dishonest. When I requested call recordings, they refused again. They have now repossessed my vehicle at this point. I told them I would not pay until they validated the debt, and since they have refused to send any validation, they have now taken my car from me. I have since learned that they are denying titles for other individuals who do pay their balance, as well as double charging, reporting payments incorrectly, or not at all - all on top of attempting to collect on an invalid amount. This is a predatory company running scams on those who do not have good credit, or the means to truly defend themselves against a company like this. They are preying on the people who have the least, and it is disgusting. I was told by an attorney to leave a complaint here, and I hope this makes some kind of difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/23 I made a purchase on XXXX in the amount of {$110.00}. There was a promotional offer for {$30.00} back if spending {$100.00}. The credit has not posted yet my balance is due. I met all the promotional 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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: EUSTIS MORTGAGE CORPORATION
State: LA

Complaint narrative:
XXXX XXXXEUSTIS MORTGAGE on dated XXXX left a inquiry on my credit report that has effected me, under the FAIR CREDIT REPORTING ACT, they habe validated my right was a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX Date Opened : XX/XX/2023 Amount : {$6000.00}

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
Consumer complaint received 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/2023, a Flex Loan was taken on my Citi Bank credit card without my authorization, then sent to my XXXX XXXX  checking account and directly sent to my XXXX XXXX  account and from there disappeared to someone named XXXX XXXX XXXX. 

It was done in a matter of a day and then completely disappeared. Citi Bank is saying that we need to pay back the Loan and keeps adding interest every month at a very high rate.

I don't know where else to turn.

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 2023-11-07 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: FL

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.

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 inructions 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I declared bankruptcy in XXXX and had a vehicle loan through XXXX XXXX XXXX. This vehicle was not discharged through bankruptcy, it was paid in full. I have sent a letter from the finance company that says it was paid in full, but the credit companies refuse to change it from discharged in bankruptcy status to paid successfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was alerted by XXXX XXXX XXXX that I had a new TDBank/Target credit card dated XX/XX/23. I did not request such a card. When I talked to TDBank/Target, they had the correct social security number and birthdate but old drivers license and phone number data ( XXXX XXXX XXXX ). I contact the bank and XXXX and notified by local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
An escrow analysis was conducted on my mortgage loan on XX/XX/XXXX that increased my payment by {$720.00} MONTHLY. I have tried reaching out to MrCooper for information regarding this change since XX/XX/XXXX and I can not reach a single representative or get any response to this. After not receiving any support from MrCooper I had to consult with a mortgage consultant. They have advised to me this is more than likely a mistake due to the excessive amount of increase on my escrow payment. As well as my escrow had a surplus up until this analysis. The mortgage consultant advised me to get in touch with MrCooper ASAP to address this matter yet MrCooper continues to process my payments but failing to provide any customer service whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, and They updated on XX/XX/XXXX the on-time payment but never removed the derogatory mark on my credit report. The wrong information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX, ( being an on-time payment ). However, it is still reported as being more than 30 days late. This information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case.

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 2023-11-07 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:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2023-11-07 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: TX

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

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 2023-11-07 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you commence an investigation into these documents, as they erroneously indicate that I have been late on accounts I have always paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I contacted Wells Fargo on XX/XX/XXXX to file for hardship and lock transactions on an account with a large balance and high-interest feethe hardship plan fixed interest to 1 % and fee and set payment amounts per month. 

Wells Fargo agreed and locked the version with the payments set at XXXX amount ( $ XXXX XXXX XXXX ) All payments were made promptly and on time. 

XX/XX/XXXX Wells Fargo let the hardship plan expire, and the payments went to $ XXXX + {$310.00} XXXX XXXX XXXX XXXX  without notice effectively doubling the monthly payment plan to {$680.00}. 

XX/XX/XXXX Called WF to speak with a representative XXXXXXXX XXXX XXXXXXXX and was told that the plans expired and I was on a short-term plan. The agent stated there is a " long-term plan '' as well that I was not made aware of. 

I asked for any documentation showing the difference between the two plans and XXXX XXXX XXXX on a recorded line, stated there is no documentation only that there is a phone call where the agent would decide to place you on a short-term or long term plan. 

I enquired how to be put on the long-term plan, and XXXXXXXX XXXX XXXXXXXX stated I would have to wait 12 months to file for hardship again. The balance of the account would then with the new interest rate be ballooned back up to XXXX amounts. 

This is anti-consumer behavior. Wells Fargo will not produce any documentation on a recorded line stating there is no documentation, and it's up to an agent to decide which plan to place you in. If Wells Fargo can decide unilaterally which plan to put you on without notifying the consumer this is anti-consumer behavior and they can reinstate the plan. 

Again I have made all payments on time while on this plan 100 % in full and on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MI

Complaint narrative:
This account was charged off which means it was already paid for and should be removed from my credit report. Plus i need a signed copy of the original contract with my signature and the company signature because information is incorrect 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 explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request investigation into accounts and credit inquires that's not mine. I want these items corrected and deleted. Please also provide name, address, phone of who verified this information

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 2023-11-07 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: EQUIFAX, INC.
State: TX

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

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Nelnet, Inc.
State: TX

Complaint narrative:
I enrolled on the SAVE plan with the intention of taking advantage of no additional interest with on time payments, even though my payment is higher than other plans. I also enrolled in autopay with Nelnet. Initially the website said my payment was processing, however, when I logged on to check the status, Nelnet has applied an administrative forbearance until XX/XX/2026 with no communication or notice to me about this. I didn't ask nor authorize this. I tried to my on time, automatic payments in good faith and utilize the proposed benefit of the SAVE plan and now I'm being charged interest on something I tried to make arrangements for. Several times when I was trying to see the status, Nelnets website was down, their call centers were not taking calls and no one is communicating about these changes they're enacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
This is a new and separate complaint about XXXX and XXXX, a fraudulent debt collection firm located in XXXX, Rhode Island. I am also making a complaint to the State of Rhode Island 's Disciplinary Board for false conduct of attorneys. 

This law firm wrongly and falsely wrote to the CFPB that a debt from Bank of America ( BofA ) and/or FIA Card Services was litigated at Washington Superior Court , Case # XXXX. The online court docket clearly shows this was a default judgment ( attached ), not a litigated judgment to decision. 

Also attached is a false affidavit from that case made by FIA that references an account ending in # XXXX, but attached to that affidavit is a BofA WorldPoints statement ending in # XXXX. XXXX and XXXX 's demand letter references the same debt ( account ending in # XXXX or # XXXX ), however, XXXX XXXX of BofA ( XXXX ) XXXX, has called me twice and admitted BofA had NO records for the WorldPoints statement and account ending in # XXXX ( and later changed to # XXXX by FIA ). No credit application with my signature, no proof of charges I made. 

While the alleged originator of debt, BofA, has admitted they have no proof, XXXX and XXXX falsely claim this office, in consultation with Bank of America, N.A., have thoroughly reviewed your account and have concluded that all charges were properly assessed to your account. 

XXXX and XXXX did not stop there. They made additional and intentionally false claims against me by attaching XXXX unrelated statements from BofA cards in years XXXX and XXXX, ending in # XXXX and # XXXX. They also falsely point to airline travel at that time and charge-offs in XXXX. What was charged off was fraudulent activity!! Nothing I personally charged. 

I am a well-documented victim of identity theft, see police reports attached. XXXX and XXXX are fraudulent debt collectors who bought an alleged debt that even the originator ( BofA ) can not prove. They continue to pursue an innocent person by MANUFACTURING alleged proof. Their letter ( attached ) is false as NO proof exists that I ever signed up for the subject BofA WorldPoints card ending in # XXXX, which account was allegedly changed to FIA Card Services # XXXX. This debt collection firm needs to have its law license revoked.

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