vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
What happened in regards to the estate of XXXX XXXX is the authorized agent of the principal has tender payment to satisfy discharge and setoff to the principal account and credit principal balance. Attempts to further this conversation with the Westlake financial federal reserve agent also known as XXXX XXXXwith no correspondence to the tender that's was presented the registered number for the certified mail is # XXXX I have not been issued a correspondence for the tendered payment.UNDER DURESS THE VEHICLE WAS REPOED WITHOUT LEAVING ANY NOTORIZED DOCUMENTATION BY AN MAGISTRATE/OFFICER OF THE COURT. IN BREACH OF SECURITY AGREEMENT 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 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Hello I have been having hard time trying to fix my credit with forever 21 and XXXX ever since the pandemic. i have been answering multiple calls and giving them an answer when i can do the payments. they are being really rude and forcing me to give them a payment that same day even though i told them I don't have the money and has even told me to give them my bank information to take out the payment monthly when AGAIN i have told them i don't have the money. They have also reach out to my mom asking about me even though I spoke to them already. Then I noticed the bank account that XXXX credit collection was scheduled to a payment, but they took a payment that was not authorized. I have called constantly to speak to agents and ALL agencies were very disrespectful and would hang up on me. I spoke to the manager, and she was also being rude and then a week later i received my money back but they still constantly call me being rude when i have clearly told them i have no money to do the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This account isn't mine the account says the loan was opened XX/XX/2018 which is false I didn't attend school in 2018 so have no idea what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has sold my information to a third party without my express written consent. 
The doctrine of privity of contract is a common law principle which provides that a contract can not confer rights or impose obligations upon anyone who is not a party to that contract. [ 1 ] It is related to, but distinct from, the doctrine of consideration, according to which a promise is legally enforceable only if valid consideration has been provided for it, and a plaintiff is legally entitled to enforce such a promise only if he is a promisee from whom the consideration has moved. [ 2 ] A principal consequence of the doctrine of privity is that, at common law, a third party generally has no right to enforce a contract to which he is not a party, even where that contract was entered into by the contracting parties specifically for his benefit and with a common intention among all of them that he should be able to enforce it. In XXXX & XXXX and XXXX XXXX, the doctrine has been substantially weakened by the Contracts ( Rights of Third Parties ) Act 1999, which created a statutory exception to privity, providing, in certain circumstances, third parties the right to enforce terms of contracts to which they are not privy.

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 2023-04-06 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
A fraudulent XXXX transaction for XXXX USD appeared on my Chase checking account on XX/XX/2023. I filed for fraud with Chase on XX/XX/XXXX, and was given a temporary credit of XXXX to my account. The claim was then denied, and the XXXX credit was reversed on XX/XX/XXXX. I called Chase fraud center on XX/XX/XXXX to ask why, and they said it was because they had no evidence to suggest it was fraud, end of story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
OK so out of nowhere, I started receiving letters about debts that were owed. 
On XX/XX/XXXX, I received two separate letters from Transworld Systems with an attempt to collect a debt for $ XXXX. ** and then the other for $ XXXX. ** with outrageous late fees that were included with both amounts stated above. 

The first letter stated as of XXXX XXXX I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** The second letter stated as of XX/XX/XXXX, I owed $ XXXX. ** and was charged interest of $ XXXX. **, stating the total amount due was $ XXXX. ** I contacted them because I thought it was from a doctor who got shut down by the Feds for fraudulent insurance billing, but then I figured out it had nothing to do with this doctor or the practice that was shut down. The only thing they told me about the dept was that it was for services on XXXX which would be impossible for reasons I can prove. Also, I have never heard of this company, nor have I ever been sent a regular bill from them either. So I have no idea where these depts are from, nor do they belong to me. 

When speaking to the person on the phone, they were sarcastic and kept muting me, so it seemed no one was there or listening to what I had to say. They were unprofessional, making me think this was a scam or someone phishing for information. I pay my bills and pay them on time. So suddenly, getting two debt collector letters stating I owe some company I had never heard of over $ XXXX dollars seems like a scam. Then let 's talk about outrageous late fees on both statements ; I had never received any type of bill before this for this company, so why is this debit collector telling me I have a late fee of $ XXXX. ** with NO explanation of why there is late fee 's and where this debt is from other than a company I have never heard from. These letters ruined my day and caused me great stress and XXXX, and then when I called, they gave me no evidence or info other than services on XXXX XXXX. 

I did XXXX this company and they have been sued many times for I feel my privacy and personal information were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: GA

Complaint narrative:
Incorrect information is being displayed on my credit file. Which is in violation of the FAIR CREDIT REPORTING ACT, SECTION 609 & 623. I have contacted you about this information for over a year. that is way beyond the 30 days you are allotted by the law. 

XXXX. XXXX  XXXX XXXX ( closed account ) Account # : XXXX Payment history is being shown as " CO '' XXXX times when it should not be. The account was paid and should not longer be shown on my account at all. 

XXXX. XXXX XXXX XXXX  ( closed account ) Account # XXXX I have never had a personal loan. This information is fraudulent. so why is a fraudulent closed account being shown on my account. I reported the fraud months ago to every agency and it was removed by every other credit bureau but yours.

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 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
The company was payed an amount but updated on my credit the original amount of loan with additional fees. I contacted them about this and was told they no longer have my account and sold it. They never updated about the payment they received but did update additional late charges. They confirmed the payment received on my behalf also. I asked to get a letter to show everything from this and havent received anything from them yet. Its been a couple months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TX

Complaint narrative:
Mailed certified letters to all 3 companies on asking for a proper investigation and to provide me a copy of my original signed contract for the accounts that are in collections. Ive also ask that they remove any wrong spelling of my names and addresses Ive never resided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
Mailed certified letters to all 3 companies on asking for a proper investigation and to provide me a copy of my original signed contract for the accounts that are in collections. Ive also ask that they remove any wrong spelling of my names and addresses Ive never resided.

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 2023-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
On XXXX we listed our home for sale with a realtor. XXXX we entered into contract to sell. Closing was set for XXXX. On XXXX we were notified by XXXX XXXX and XXXX that there was a lien/mortgage against the property recorded at the county courthouse. We filed bankruptcy in the early 2000 's ( not sure of the year ). This property was listed in the bankruptcy. In over 20 years we never received any notices, foreclosures or otherwise in regard to owing anything. We were told it was discharged. Now three ( 3 ) days before closing we were told about this. We don't know where or how this could ever happen and was unexpected. Closing is postponed until XXXX. The title company had a very difficult timing contacting anyone to find out payoff information. Finally on XXXX they received payoff letter from PHH Mortgage. We contact our attorney to negotiate a lesser amount. She emails and calls PHH Mortgage and does not receive any response for 2 weeks. She advises us that according Illinois law, we would have to close or be possibly be in a lawsuit or other legal action from the buyers. Closing was XXXX and we had to sacrifice paying this unknown mortgage. I call XXXX Mortgage at XXXX on XXXX at XXXX XXXX talked to XXXX ID # XXXX - XXXX at XXXX XXXX talked to XXXX ID XXXX XXXX - XXXX @ XXXX XXXX talked to XXXX ID # XXXX. No one was ever able to offer any assistance or would return calls if I left voicemails. I emailed as instructed to XXXX & XXXX and received no response. The only email I would get a response from is XXXX. Please see attached emails. They did offer over 50 % discount which we agreed to. They then request us to pay and I sent them the check and proof of delivery. They informed me that release would be sent. I asked for refund as we absolutely had to pay much more and was told there would be no refund. All of this negotiation, once we could reach out to someone took over 30 days. We were notified of this being due on XXXX and closing had to occur on XXXX -- -- 2 weeks. This delay in communication has cost us over {$45000.00} which we feel is unnecessary do to lack of response on PHH Mortgage. We are asking for any assistance to recover this money we had to sacrifice in order to sell our home.

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Mailed certified letters to all 3 companies on asking for a proper investigation and to provide me a copy of my original signed contract for the accounts that are in collections. Ive also ask that they remove any wrong spelling of my names and addresses Ive never resided.

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX  Date opened XX/XX/XXXX XXXX Date opened XX/XX/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 2023-04-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove 1.XXXX  XXXX XXXX XXXX  card Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX 3.XXXX Date opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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 the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 1. XXXX ( XXXX ) Account # XXXX 2. Experian ( XXXX ) Account # XXXX 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 explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: AZ

Complaint narrative:
In XXXX, Direct Express closed my account and instructed me to contact social security to redirect my benefits. However, in XXXX, social security mistakenly sent my benefits to Direct Express, and they confirmed that direct express received the payment through a " cleared ACH transaction ''. Unfortunately, I have been unable to reach Direct Express by phone since XX/XX/XXXX, despite my numerous attempts. The automated phone attendant advises me to call back during non-peak hours, but even after calling hundreds of times throughout the day and night, I have been unable to get through to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I went online to purchase health insurance and called XXXX for health insurance and had no idea it would not be legit. The lady was very helpful and told me it was the Affordable Care/Obamacare and I qualified for {$190.00} a month. I was transferred to an agent after I was on recorded line and they took my personal identification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX I opened a auto loan with schools first Federal credit Union and paid that auto loan in XXXX I went outside United States and in XXXX probably after the XXXX data breach for which I have a fraud alert on credit report I was told that a school 's first Federal credit Union credit card has been open in your name with the entire credit limit taken out as cash advance I was very skeptical that after 4 years a fraudulent card opened and how come the entire credit limit was drawn as cash I contacted schools first which conveniently denied and said if you don't make a payment we are going to put 30 day past you on your credit report so in order to save my credit report I started making a payment but on the other hand I started disputing them also schools first played delaying tactics and constantly told me that you need to make a payment finally I decided to quit payment as it was going nowhere I contacted XXXX XXXX XXXX who is the top guy in schools first he investigated and told me that the card was sent to their creating services which probably send it to some Branch we don't know which branch went but we do know that somebody took out cash advance from that card the whole entire limit I told them that see it is very evident that the card was never mailed to my address I never received the card I was not even in the United States the card was sent to nowhere and was used by someone school 's first is still keeping me whole stage against my credit report please help me to remove this card listing from my credit report as it is fraudulent I'm attaching the identity theft report and XXXX XXXX XXXXXXXX XXXX email as an evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation