vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 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: World Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: TX

Complaint narrative:
About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud 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 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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NY

Complaint narrative:
This complaint is in reference to Westlake Financial Services account number XXXX Westlake Financial violated the Fair Debt Collection Practices Act, 805 ( b ) which states " Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Westlake called my friend regarding the repossession of my vehicle after I stated to them over the phone that I did not have the funds to pay to get the vehicle back. In an effort to continue collection, they did this without my express permission, nor with my knowledge. I don't know how they got her number, but she informed me that she got a phone call at XXXX XXXX  on Thursday, XX/XX/2023 from them, from the phone number XXXX. They called me 20 minutes later, at which point I answered and informed the caller on the recorded line of their above referenced violation, that this violation will be taken seriously, and that I will be reporting them to the CFBP.

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 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paradigm Assets, LLC
State: PA

Complaint narrative:
between XXXX and XXXX I had a credit card with XXXX XXXX. I ended up losing my job and almost all of my debt went to collections. over the last 8 to 10 years I have paid every single one of those debts off. Including the one for XXXX XXXX. When I paid this debt I paid it directly to XXXX XXXX and not to the collection agency at the time. Sense then the debt has been sold off numerous times over the years. When I contacted XXXX XXXX about this issue in XXXX they basically informed me that they had no record of me paying the debt. and beings the debt was so old that they didn't have any info on the matter at all. I was also informed that beings the debt was so old and beings they had already sold the debt off that they really had no interest in the situation at all. I also contacted my credit union that I paid the account from and they also told me the account was too old and they didn't keep records that long. The last letter I received even stated that this debt is too old for them to sue me. Sense then I have tried to contact XXXX XXXX XXXX numerous times and they do not answer there phone. My attorney has written numerous letters and they do not reply to her letters. I have disputed this account numerous times and they do there " investigation '' then reset the account open date. As of right now it says the account was opened in XXXX. But I haven't done bushiness with XXXX XXXX in close to 13 years. XXXX XXXX wouldn't give me a credit card even if I applied for one due to the original collection. At this point I am willing to go to court over this situation but XXXX XXXX XXXX will not even acknowledge my attorney. If they will not provide the information they are legally obligated to provide for the collection how can they keep reporting a collection that is well over XXXX XXXX XXXX? Even if the XXXX date that they state was legit ( even though it is not legit ) that would mean the debt is 5 years old. And that is told old for them to be reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I agreed to a joint vehicle loan on XX/XX/XXXX with Wells Fargo. On XX/XX/XXXX, I XXXX   the joint user on this loan. He was responsible for the loan per court order, however, he had the vehicle repossessed. In XX/XX/XXXX, Wells Fargo illegal opened another joint loan with my name. Time after time they have declined to correct this and it continues to show on my credit report. I did not agree or sign any documents for the loam opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX # XXXX with secivce address XXXX XXXX XXXX XXXX tx. And I moved from the address on XX/XX/2022 and I called XXXX XXXX to transfer my service to my new service address XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas on XX/XX/2022. And the told me the don't have service on that address. Because the network is very poor and slow. 
So I told the to disconnect my service.which I did And I switched to spectrum. Will send the proof. 
XXXX XXXX  kept billing me every month and I emailed see the attached. They keep saying the fixed the problem. 

I have attached proof when I switched to XXXX  The only thing I own them its the equipments and will drop the off asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and XXXX and Account # XXXX to Equifax. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly. 

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$23000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$23000.00} ACCOUNT OPENED ON XX/XX/2017 REPORTED AS CHARGE OFF UNPAID. 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Please note previous CFPB complaint id : XXXX XXXX which was closed as resolved. However, Mr Cooper ( a/k/a Nationstar Mortgage ) still has not resolved the problem. 
Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Due to the insurance crisis in Louisiana, many insurers have left XXXX XXXX leaving only XXXX XXXX to insure properties. As an upstanding citizen, I immediately received updated insurance with XXXX  XXXX. The updated insurance policy was sent to Mr Cooper too many times to count, from both XXXX XXXX XXXX and myself, by emails, fax and uploads to their site, which did not remain after two previous uploads. The insurance department was in receipt of updated insurance providing emails stating " nothing due nor action required ''. However. servicing does not appear to communicate with the insurance department as they repeatedly send mail and emails stating lapse in insurance and added escrow and late fees to be added to my mortgage, which I have never escrowed, which also caused more calls and attempts to send proof of insurance. 
After I provided initial complaint to CFPB id : XXXX XXXX, this non-issue seemed to be resolved as a letter from Mr Cooper was received stating insurance received with no additional escrows would be added to my account and it would take up to 10 days to remove the added fees on my mortgage However, shortly after receiving that letter, I was also mailed a check in the amount of {$150.00}, which I did not cash as it should not have been received since this was due to fees that should not have been applied to my account and did not require a refund ( check attached ). Despite receiving an unwarranted refund, I continually receive emails stating that I am late with a negative amount showing due to escrow and late fees. Mr. Cooper 's website shows a balance due of {$760.00} where as my XXXX mortgage statement shows total due in the amount of {$1400.00} rather than my fixed payment at {$690.00} per month, which is paid directly from my bank account every month, which means that I have never been late. nor escrowed. Please see attached last 13 month payments from my XXXX bank account along with XXXX XXXX correspondence dated XX/XX/2023, as part of feedback from my initial CFPB complaint, which also includes their accounting of repeated late fees/ escrows falsely added to my mortgage. Again, I have never had escrows nor have I had a lapse in hazard or flood insurance. I have attempted to speak to them and I can not get anywhere as service representatives do not comprehend what has incorrectly taken place on my mortgage. I feel it is abuse to repeatedly receive emails stating that I am late / past due on my mortgage. Please have XXXX XXXX update my mortgage correctly without any late fees nor escrows. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have created over 5 disputes with Experian, everytime I get the results back they can never give me information on the dispute. XXXX is showing the account as closed, but when I reach out to Experian they tell me I have to submit a dispute and they never close the account to match 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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Will not show the account as closed per XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$1300.00} Connected the company demanding deletion cause it wasn't my account XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} Connected the company demanding deletion cause it wasn't my account and trying disputing XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} Connected the company demanding deletion cause it wasn't my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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:
In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX account number XXXX ( {$5800.00} ), Has violated my rights. 15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy. 15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I would like to see the documentation that was used to determine the accuracy of these accounts. I'm not sure why you're saying that they're accurate, because I'm sending you irrefutable facts taken directly from my credit report! How is this possible that you're in charge of maintaining the data on my credit report but fail to ensure its accuracy? I would like to see the paperwork, contracts, receipts, statements, logs, etc. that were used in this so-called investigation. If you can't furnish what I've requested, these accounts need to be removed from my credit report. I am attaching my credit report showing the discrepancies in the data reporting along with the dispute letters mailed which are dated and time stamped. Please send me everything you have on this account ensure accuracy or remove this account within 15 days : XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a Simply checking account with Capital One, and I disputed transactions that a company I have never used, The bank credited my account back with the dollar amount, and a few days later my account was in a negative status. I spoke with an agent at the bank and I was told the funds were taken back because the company showed proof that I authorized the transaction. I was never notified of the reverse, nor was I asked for any documents or proof that I have never used the company 's establishment. A week later my account was closed, Spoke with the agent asking how can we resolve this issue. I was told we can't and I do not owe anything. I went to XXXX XXXX to open a bank account, and I was declined, reason because I have a negative red flag on me because of the closed account with the bank mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are actually several problems. I have inaccurate personal data showing up on my report as well as a collection that I have asked to be removed, even having provided a letter from the creditor asking for the collection to be removed and it is still there, and several inquiries that were fraudulently placed without my asking. I have provided the documentation several times but the information never gets corrected.

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