vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
On XX/XX/2023, I attempted to make my car payment through the West Lake Financials website. Due to the website was not accepting my payment at the time, I tried again to avoid my payment being late. On XX/XX/2023, I received XXXX emails saying that my payment had been processed and given XXXX different confirmation emails. To avoid having my account overdrawn, I contacted both Westlake Financial and Bank XXXX XXXX.XX/XX/XXXX XXXX suggested to avoid my payment being late, to contact Westlake Financial. I contacted Westlake Financial on XX/XX/2023 at XXXX PM EST. I was told by the first employee that they were unable to see on their system that they had processed my payment XXXX extra times. I requested a supervisor and was on hold for XXXX minutes. I hung up and called back immediately. The second employee I spoke to informed me that he did see the payments. I requested to speak to a supervisor when I was placed on hold for another XXXX minutes. When the employee came back on, I was told that he had canceled the extra payments to avoid my bank account being overdrawn. On XX/XX/2023, my account was overdrawn with a total of {$2800.00}. My car payment is {$700.00}. On XX/XX/2023, I called Westlake Financial to be told that they could only refund XXXX payment at a time and I would have to call again the next day, Monday, and Tuesday to be refunded each of my payments. I asked to speak to a supervisor and was told that they were unable to be reached, I was on hold for XXXX minutes until the employee hung up on me. I again immediately called back and asked for a supervisor. I was placed on hold for another XXXX minutes before speaking with a XXXX, XXXX. I made the XXXX, XXXX, aware of all incidents that had occurred and demanded the refunds be processed all at once. She then placed me on hold. When XXXX returned to the call, she informed me that she has processed the return for the XXXX payments that were not supposed to be processed. On XX/XX/2023, XXXX claims she returned my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

Equifax Inquiries : 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX XXXX Chase closed my checking account ( account number is XXXX ) on XX/XX/XXXX and withdrew all my money on XX/XX/XXXX. Chase promised me that I would receive a money check with all my money in 5-7 business days. After one week, they told me that the check should be mailed out. Without receiving anything, on XX/XX/XXXX, I called Chase but they said there might be some investigation going on which hinders their returning my money. As an XXXX XXXXXXXX, I put all my money for my tuition fees and living expenses in my Chase checking account. I currently don't have a job and that was all my money. Now, they told me that they don't guarantee returning my money. And they do not offer further info or help. They simply let this poor little XXXX, living in an alien country without any family, die due to no money. Definitely, my family in XXXX is working class in a small town, and they are not able to send me the tuition fees twice! I feel helpless and don't know how to live in this world.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XX/XX/2023 I was denied four times for my XXXX XXXX of college student loan of XXXX XXXX I have an impeccable payment history on my student loan interest payments. However, at this time I was unaware that I was put into collections by XXXX University for a XXXX course I took ( they never accepted my XXXX  student loan because they never told me that they did not accept student loans for visiting students ). Furthermore, I paid this debt of {$4300.00} by the time Discover Student Loans would allow me to apply again 30 days after the previous credit check. I called XXXX to make sure my account was clear and the man who helped me said " yes ''. I go to apply for my student loan on XX/XX/2023 and I was denied again. I called Discover and they stated that I had an issue with my credit. I checked and on my credit report, there it stated that I had missed my Discover credit card payment due the XXXX of XXXX of {$190.00}. I missed this because I had to pay the interest on my student loans on XX/XX/2023 of {$210.00} and after the surprised collection agency payment {$4300.00} I was broke. XXXX of working and money I had saved up went all to those payments and I had no money left. I was not working either because I was moving into school later that week and was looking for a job near campus in XXXX XXXX. Now I paid {$270.00} this passed week my Discover credit card out of what little spending money I had for food while on campus. I currently have {$29.00} in my checking account. This whole ordeal has left me borderline destitute all because I missed a payment to Discover credit card now I am unable to pay for my final year of college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received eight alerts from different sources informing me that there had been a change to my credit report. I logged in to find that there was an erroneous collection account from Ability Recovery Service for an alleged ambulance service with XXXX XXXX XXXX dating back to XX/XX/2019. I contacted the collection company and they would not provide me with any information as to where I was supposedly picked up from or where I was supposedly transported to. I spoke with an attorney and as was advised that this information is not a violation of HIPAA even though the collection agency said that it was. I called the ambulance company directly and they said that they dont have records dating that far back. This negative information has been placed on my credit in the amount of {$1000.00}, and I have never received a bill from either company or a phone call from either company and I find this extremely suspicious and want this information investigated immediately. I spoke with a supervisor at the collection agency and when I mentioned that I would be involving an attorney, he became very defensive and said that he was going to end the conversation.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that the former addresses listed be deleted from my consumer report because it is causing me financial problems. The California XXXX XXXX XXXX sent a demand for an unpaid traffic ticket to a former address obtained from a CRA. When I did not pay it ( because I did not receive it at my current address ). They received a judgment against me and took an excessive payment directly from my bank account without my knowledge. 
ALso please mail me my complete consumer FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023, I had Navy Federal Credit Union transfer a balance from another credit card company in the amount of {$790.00}. On XX/XX/2023, I paid off that entire balance. On XX/XX/2023, I was charged interest in the amount of {$11.00} and didnt understand why. On XX/XX/2023, I called the credit union and spoke with XXXX and he stated that I was charged interest and would continue to be charged interest until my entire credit card balance was paid in full. I asked him how could that could possibly be legal. He said that I was made aware when I signed up for the balance transfer and that he would email the terms and conditions to me. I advised him that I was not made aware of any such terms and conditions and he placed me on hold because I asked him to read the information to me. He placed me on hold and was not able to provide the information and at that point, I requested a supervisor. A supervisor, who identified herself as XXXX took over the call and she said that XXXX said that he had confirmed my email address and emailed the terms and conditions and I advised her that both things were a fabrication of the facts and extremely concerning to me. I advised her that I had already filed a complaint ( XXXX ) with the CFPB regarding other fees regarding a cash advance and the credit union had requested additional time to respond. I told her that the credit union had advised me that they were confident in their position and I told her that if that was the case then I didnt understand the need for additional time to respond to the complaint. XXXX went ahead and emailed the terms and conditions to me after the fact and I asked her why that information wasnt provided to me before I received the balance transfer. She said that information was available on their website. I advised her that I had already paid the balance transfer in full and should no longer be charged interest and she said that the credit union doesnt have the ability to keep separate balances, yet they itemized three separate charges for interest for balance transfer, cash advance and purchases, so her explanation didnt make sense at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX this morning. theManger XXXX XXXX helped me. She took a lot of time and effort to correct my situation ; as she explained it to me. 

her professionalism, kindness, patience and compassion., served me well. My account is corrected and I am satisfied. She also initiated a Dispute for me ( which was a mistake ). 

If anyone has a problem with miscommunication at NFCU ; I would suggest they go see XXXX XXXX XXXX XXXX. She is as kind as she is well versed in her job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my credit bureauXXXX, XXXX and TransUnion. 
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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

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 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 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 non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of identity theft. I have file FTC report. Please remove these unauthorized inquiries and inaccuracies from my credit report. 

Equifax Inquiries 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
Louisiana Recovery Services continues to call me from spoofing numbers. I have asked them to verify the debt and I am cursed out. They last called XX/XX/23 at XXXX hours through a spoofed phone number. 

I inform them that I do not acknowledge the debt, it is not mine and they said " You will pay up XXXX XXXX or we will sue you '' They keep calling, ignoring my no contact order. 

Please make them stop.

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called on roughly XX/XX/23. Don't have exact date. Regarding a {$6.00} fee. Customer service agent said he would refund fee, and after refund cleared he would close the account at my request. 

Later, on XX/XX/23, I see the {$6.00} was refunded, but account was not subsequently closed. Another {$6.00} fee posted. I called customer support. They stated they were unable to verify my account and unable to close the account. Hence I am contacting you. 

I am not paying an unwarranted {$6.00} fee. Close my account immediately.

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 monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2

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