vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into Chase Bank at XXXX XXXX XXXX in XXXX XXXX to open a joint checking account. I opened the account, and to instruct me on how to view the account online, the banker logged into my account w my consent. However, when she showed me the credit monitoring option, she clicked Agree without asking me first. This signed me up for Chase credit monitoring and I did not want or need it. I did not confront the banker inside the bank because I did not realize I had been signed up until I read the confirmation email when I returned home. Ive now asked Chase via secure message to de-enroll me from the service, but they continue to inform me what credit monitoring is and are not complying with my requests. I use another monitoring service and I do not want this one. This was done without my consent and I want it reversed. This is identity information I did not consent to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had a car loan with Westlake Financial and the car was totaled. My insurance company sent Westlake a check and then Westlake was supposed to cover the remainder of the loan with GAP insurance. Well they are now harassing me with calls almost every hour and all times of the day and night. They are now calling from multiple different phone numbers. It is XXXX on a Saturday night and they just called again! They have yet to submit an explanation of the claim and still want me to pay a full balance on a totaled car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
In XXXX of XXXX I had contacted XXXX about services. The person I talked to said they could give me a price of {$59.00} a month for two years, but I would only be obligated for one year. At the end of XX/XX/XXXX I returned home after a long absence. I used cable for three days and then found I was being charged {$120.00} that month. XXXX denied we had a two year agreement and conveniently deleted the tapes of my discussions with their customer service. They claim they sent me a contract to my cell phone but my phone is not able to open such materials. I refused to pay the bill. I have tried and sometimes succeeded in getting this negative item on my credit report but then they just turn it over to a different collection agency and I have to go through this again. This time one credit agency ( XXXX  ) refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
I completed a lease with Lexus XXXX in XX/XX/XXXX after having purchased the following vehicle : XXXX XXXX XXXX, License Plate XXXX and now Plate : XXXX XXXX. VIN : XXXX To date I continue receiving threatening letters from Lexus XXXX requesting payment for alleged exorbitant excise tax payments Lexus allegedly made to the City of XXXX but have not seen a copy of these payments nor even a copy of these bills. I am also QUITE confused as to why they would allegedly pay an exorbitant XXXX tax bill for a XXXX vehicle that I owned as of XX/XX/XXXX and was out of contract with in XX/XX/XXXX. 

Attached you will find the letters I am receiving. I feel I am being extorted by Lexus XXXX  and this needs to END!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: WA

Complaint narrative:
I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX  and they have failed to comply with FCRA guidelines!

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 2021-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX, TransUnion, and XXXX  and they have failed to comply with FCRA guidelines!

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 2021-08-08 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: WA

Complaint narrative:
I have disputed inaccurate information on my credit report with XXXX XXXX, and XXXX  and they have failed to comply with FCRA guidelines!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
This Company is in violation of multiple FDCPA laws. I have notified this company more than 45 days ago with a validation of debt letter. I sent a cease and desist letter to this company. I demand that this company cease all forms of communication with me through any and all mediums.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: KY

Complaint narrative:
This company is in violation of multiple FDCPA laws.I have sent a validation debt letter and cease and desist letter over 45 days ago. I demand that this company cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid off my Chase Bank auto loan in the year of XXXX, however, Chase had never sent any lien release to me until late XX/XX/XXXX after I contacted Chase when I failed to sell my car. 
On XX/XX/XXXX, when I was trading in my car and purchasing a bigger used car at a dealer for my vacation with my family and friends, after my husband completed the finance application at the dealer ( my husband 's credit score had been checked ), the dealer found out the Chase lien on my car and rejected the trade in ; therefore, I must pause the purchase and go to a Chase branch to request a lien release and must wait for the lien release to trade in the old car to restart the purchase at the dealer ; the used car I wanted to purchase was sold out while I was waiting for the lien release from Chase ; therefore, I must look for another used car again and could not get a used car until XX/XX/XXXX. 
I had booked the hotels for the vacation with my family and friends, however, I must cancel all the bookings and reschedule the vacation. The negligence of Chase has damaged my vacation, wasted my time, and added unnecessary extra hard inquiries on my husband 's credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MiraMed Revenue Group LLC
State: MS

Complaint narrative:
i sent MIRAMED REVENUE GROUP , LLC a letter on XX/XX/2021 about a alleged debt of XXXX $ that i don't owe nor had any dealing with.this is also a violation of the HIPPA law of sharing my information with third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I filed a dispute on Shellpoint thru XXXX  in XX/XX/XXXX& XX/XX/XXXXas 3 months was missing stating I did not pay the monthly amount on a modification I had started with Shellpoint on XX/XX/XXXXwhich I PD on XX/XX/XXXX.but on XXXX  it states PD XX/XX/XXXX but references XX/XX/XXXXand was for XX/XX/XXXX {$2100.00} 2nd mod PD end of XX/XX/XXXX {$2100.00} for XX/XX/XXXX last payment for Modification was XX/XX/XXXX for XX/XX/XXXX for {$2100.00} those were the 3 modification payments Start in XX/XX/XXXX, - XX/XX/XXXXi disputed the dates & XX/XX/XXXX said no payment i am going to XXXX XXXX XXXX XXXXXXXX tomorrow to get payments sent to Shellpoint from XX/XX/XXXX-XX/XX/XXXX. Which will prove Shellpoint received the monthly payments. The Attorney Generals Office in XXXX reached Shellpoint & had my percentage rate reduced from 5.0 % to 3.375 % and my monthly payments were reduced to {$1900.00} per month. When I was emailed from XXXX  that my dispute was ready checked XXXX  put in No Payments for XX/XX/XXXXwhich also Reduced my mortgage Fico Score for mortgage from a XXXX and put down to a XXXX for Mortgage this should be made right I paid as I was suppose to in XX/XX/XXXXafter Fraud/Identity Theft!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ON XX/XX/XXXX, I PAID A TIME BARRED DEBT TO XXXX XXXX. 
THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX AND SHOULD HAVE CORRECTLY CHARGED OFF IN XXXX. 
THE COMPANY WHEN CONTACTED WANTED {$360.00} FOR THE {$170.00} DEBT CHARGED OFF IN XXXX. I PAID THEM {$260.00}, WHICH INCLUDES AN XXXX DOLLAR CHARGE ( " XXXX XXXX XXXX '' ) FOR PAYING THE {$170.00} DOLLARS I OWED FOR THEIR JUNK MERCHANDISE ( JEWELRY THAT HAS NO APPRAISAL VALUE FOR INSURANCE BECAUSE IT IS JUNK QUALITY, ) .THE XXXX FDCPA MAKES " XXXX XXXX '' FEES ILLEGAL. 
THE ENTIRE BUSINESS IS A CREDIT SCAM DESIGNED TO ENTICE YOUNG UNKNOWLEDGEABLE INTO FINANCING JUNK JEWELRY FOR THEIR SIGNIFICANT OTHERS..SINCE CREDIT-WORTHINESS HAS LITTLE TO DO WITH THE SALE THESE SOPHISTICATED CREDIT CRIMINALS ARE FOCUSED ON THE CREDIT FRAUD PART OF THEIR BUSINESS.THEY KNOW THE LAWS THEY VIOLATE YET THE ENTIRE BUSINESS IS BASED ON GREED FRAUD AND DECEPTION.

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 2021-08-08 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: FL

Complaint narrative:
Dear, CFPB The 3 major credit bureaus - ( XXXX, XXXX  and Equifax. Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day.

I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately.

Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. FCRA 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
This account was settled and closed and this company is trying to open the account back up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
i sent SOUTHERN FINANCIAL SYSTEM, INC a letter on XX/XX/2021 requesting information about alleged debts of {$250.00}, {$220.00} that i do not owe. i asking for this matter to be resolved and removed from my credit 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 2021-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This account was settled and closed and this company is trying to open the account back up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NV

Complaint narrative:
IC Systems Inc originally sent me a letter inXX/XX/XXXX for a debt by XXXX XXXX. I told them that I was disputing the debt debt because I canceled the contract with the original creditor. In XX/XX/XXXX IC Systems Inc placed this debt on my credit report without them investigating my dispute.

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 2021-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Aspire credit card is stealing my money. I made a duplicate payment to my account causing a credit balance, they owed me back XXXX. I immediately called to request a refund was told I would he sent a check, XXXX XXXX this credit balance refund debit is shown on my statement for {$540.00}. Leaving a credit balance of XXXX. I never received this check and multiple calls and emails to customer service I get no help and hang up in tears. I was told twice this was mailed to me and now Im being lied to that it was credited to my account. It never was and my statements prove that. I have filed a complaint with better business bureau and am in contact with an attorney. I need my money back and they will not give it to me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account from XXXX XXXXXXXX XXXX XXXXXXXX is fraudulent. I never had a loan open with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: Aqua Finance, Inc.
State: NV

Complaint narrative:
I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This account from Gateway Lending and Finance is fraudulent. I never had a loan open with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-08 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: NV

Complaint narrative:
I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.

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 2021-08-08 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: NV

Complaint narrative:
I was hit by the pandemic like everyone else, we all was caught off guard. I even notified the company that my XXXX XXXX payment would be late and i was told it would be ok without any penalties due to the pandemic, so im asking for a good cause forgiveness as told to me. 

Im requesting that XXXX XXXX XXXX, removed the late payment ( XX/XX/2020 ) thats on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was affected by TransUnion inquiry error, in which a slew of inquiries were once removed then place back without proper notice. 

I consented to none of the inquiries listed below and believe them to be of error. 

Ive called TransUnion multiple times, and spoke with multiple agents. My problem still persists, and I have yet to be updated in over 30 days. I have also written multiple dispute letters and submitted them to each of the three major credit bureaus. 

The list of inquiries that should be removed from my credit report immediately are as follows : TransUnion : 1 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX 2 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX 3 ) XXXX  XXXX XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 4 ) XXXX XX/XX/XXXX Creditor Contact Details XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXX 5 ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 7 ) XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 8 ) XXXX XXXX  XX/XX/XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX : 1 ) XXXX XXXX XXXX XXXX 
XX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 4 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 5 ) XXXX XXXX XXXX ... 
XX/XX/XXXX Creditor Contact Details N/A 6 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A 7 ) US SM BUS ADMIN ODA XX/XX/XXXX Creditor Contact Details N/A XXXX  : 1 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 2 ) XXXX XXXX XXXXXX/XX/XXXX Creditor Contact Details N/A 3 ) XXXX XX/XX/XXXX Creditor Contact Details N/A

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