vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
thanks for the opportunity to have this matter discuss my name is XXXX XXXX my current situation is with : Porsche financial serve Porsche account XXXX I started a lease on XXXX XXXX for personal reason I stop making payments on XX/XX/XXXX when I got the car I down pay 7000 usd I was making payments of XXXX usd for a situation back in XXXX I stop making payments my wife got pregnant and at the same time I lost my job I understand that XXXX what we agree but i can say i really try to make this up till the las moment i try to make the payments but when out of my hands the concern i have is the i been told that the car been sold and i even have gap insurance and they steel reporting my every month on my credit report negative from then i got it on XXXX of XXXX the are keeping my life impossible with my credit my family got bigger I'm no able to buy a house i been staggering very bad with this situation on my credit XXXX of the major bureaus are reporting this information Wich are ( XXXX & XXXX XXXX the comment on my credit show as charged off account they been reporting on my credit even after the sold the car and got pay true the gap insurance I try contacting talking to then but there no way they can reconsider removing the information they are been posting from more the XXXX years since I don't have the vehicle on my possession I been doing things right at this point I just want be able to offer my family a decent place to live if there anything you can do to help me XXXX XXXX XXXX you the contact information from Porsche is : XXXX my name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
Halsted Financial services, only contacted me using a text that contained a link and said action will be taken if I dont pay. I tried to contact them because I refuse to click a unknown link that I randomly get on my phone. I told them I wanted a written noticed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I exchanged currency with one of the university student about 15000 dollar. 
A few days later, the Bank of America called me and tells me they need to close my account and freeze the balance remain in my account. 
I try to open an new acccount in XXXX XXXX, and they open it at that time but close it the day after that. So I still don't know what is the problem with my account. And by checking the XXXX report, I see that my account has been reported as suspected fraud activity by Bank of American. So I go to police and file the report of fraud. 
The police report number is : 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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: LA

Complaint narrative:
Enclosed you will find your abandoned paperwork alleging that BYL SERVICES, Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for I XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and BYL SERVICESare authorized to administrate ( acting trustee ) on I XXXX XXXX, together with a certified copies of signatures contract between you and I XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I, XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I, XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the FCRA, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX BANK account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXT XXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX and XXXX XXXX XXXX XXXX account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: PA

Complaint narrative:
In accordance with the FCRA, XXXX XXXXG account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX, BXXXX  OF XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXX, TXXXX XXXX XXXXXXXX XXXX account # XXXX, XXXXT account # XXXX XXXX and XXXX XXXX XXXX XXXX  account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.

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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
On Friday XX/XX/XXXX received XXXX letters from Resurgent Capital Service company intent to collect money. My name is very common, just looking for XXXX XXXX and intent collect money, they don't verify before sending this XXXX. That collection is not mine, it's not my deb. I XXXX with prove documents sign and the last XXXX digits of my social security number. I never use the XXXX XXXX XXXX service. I called the company, but they are asking for your social number I'm not going to provide that information to them, on the contrary they have to prove that this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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 am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2022-02-21 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:
I am requesting that my credit report dispute be reviewed. This is the 4th attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

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 2022-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
Have not received my 1098 for 2021 - loan was sold by lender to XXXX XXXX in XX/XX/2021. I have XXXX 1098 but never received the LoanDepot.com 1098. 
Called 2 weeks ago to request duplicate. Was told by customer service rep it would be sent out same day. Still have not received anything. Can no longer login as once loan was sold they removed my ID from their online system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. Capital one credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by Capital one credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have received numerous collection letters from Midland Credit Management. I responded several time with debt validation requests. I have certified proof that they received my letters. They have yet to provide me with information that i have requested from them. Instead they continue to send me the same letters asking me to provide them with a written explanation and documentation demonstrating any errors on my credit report. According to the law, if a debt can not be properly verified it must be removed. The burden of proof is on them. I demand they either send me contract with my name and signature or delete this entry from the bureaus immediately. I am aware of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My savings and checking was hacked into 6 times within 3 days ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) of each other. The total amount was XXXX. I was fully refunded but what does banks do to protect you? I was the one who alerted the bank of fraudulent activities. The Manager of the bank was very nice but not knowledgeable on how we can stop this from happening. I never received an alert from them. I had to call the fraudulent department of the bank to let them know what is going on and they too were not helpful. I am a victim of Identity theft. I took all the necessary precautions with everything and I was still hacked. I now fear that my SS number is compromised. Now I am very spectacle about if any banks are safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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:
XXXX XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I paid ten thousand into a service using the American Express Business Card with that XXXX account numbers ending in XXXX XXXX XXXX XXXX XXXX XXXX is the name of the company. My limit on the card is {$10000.00}. So that limit was used. 

On XX/XX/2021 American Express charged an over the limit charge to the same company for {$5000.00} without my knowledge. No phone calls, no emails, no text. Though they have all of these contact information. 

It was not until the following bill cycle that I realized the extra charge on the card and also the threatening collection call from an American Express employee about placing the extra {$5000.00} they call, " Past Due '' on my credit report. 

I did not authorize this charge but I agreed to pay it off. I requested a work out plan with American Express, and they declined on several attempts to pay the over the limit amount off. I requested to be a part of a payment plan until it is resolved. I was clearly told " no '' by an employee. His employee ID is # XXXX and according to him his name is XXXX. He would not provide me his last name. 

When requested, XXXX would not pass me to a supervisor, or a manager to help resolve my concerns. Instead he offered that I dispute the charges. I countered that I did not authorize it and so there should be no charges. Can you give me the information to your legal counsel, I asked. He said " no ''. 

I told XXXX, why did not anyone call me to authorize the over the limit charge and why are you threatening my small business with bad credit reporting on a charge they made without my authority. I agreed to pay and just want them to work with me. I have never missed a payment with them and pay on time and over the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I been getting letter on XXXX XXXX about that i can not open a bank account because of check fraud and i never done that in my life and someone is using my information and i dont even know who is doing that i just want to clear this problem because it is affecting my life and parents keeps asking about it and i don't want to be in trouble for this. I need to have a good record and credit score. I need to open a td bank account but i can't not do that because of this issue and also it always come up in the system when one of the banks put my information in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: IL

Complaint narrative:
I have new information pertaining to a complaint I sent to TransUnion. The complaint ID is XXXX. I am a victim of identity theft and it has been well over 4 business days and they have not blocked the information. TransUnion needs to follow directions pursuant 15 U.S.C 1681c-2 ( 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 non-monetary relief
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Case # : XXXX On XX/XX/2021, I sent a dispute via email to Experian business regarding an incorrect balance of {$100.00} that has been reporting to my business credit report since XXXX. I've contacted every vendor reporting to my Experian account and everyone stated I do not owe a balance. I've attempted to contact Experian Business multiple times with no solution. I do not believe my complaint has been investigated.

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 2022-02-21 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: NY

Complaint narrative:
XXXX  XXXX bank credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of XXXX XXXX In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holdeXXXX XXXX XXXXXXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.

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 2022-02-21 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: NY

Complaint narrative:
XXXX XXXX XXXX  credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. XXXX XXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.

Company response to consumer: Closed with explanation