vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to correct on my background that my most recent charge had been dismissed. All of the misdameanor charges regarding larceny have been disposed or dismissed. I am also asking for reconsideration on my XXXX application. Below I have attached proof of such. 
I realize that my past records have not reflected the best of me but I assure you that my best is not what you see on this background assessment. I had made poor choices but now as a father and a XXXX, XXXX, abiding member of society I am seeking to live a better life. I am very interested in a career at XXXX to continue bettering my life and the life of my family. 
Thank you for taking the time to review and reconsider my career opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
In XX/XX/2016 I purchased a car from XXXX XXXX XXXX in XXXX, Ne. I had a pre approved loan thru a lender and found an advertisement with XXXX XXXX for a car that fell with in the budget and stated no money down. When I got to the dealership, test drove the car, liked the car, went into the office to submit the paperwork for it, My sales rep comes back a few minutes later and says my lender wont approve the car because it had a " lemon '' title attached to it. He offers to try some of their lenders and see if he can get me approved for more money so i can look at other cars. I found another car and by then they get a response that I was approved by another lender. My sales rep tells me he found a lender willing to give me a loan but under one condition, they would only approve me if i bought the extended warranty contract. Fast Forward 4 years later the subject of extended warranty contracts being used as a tactic to get more money out of lenders comes up and I decide to call my auto lender ( XXXX XXXX XXXX XXXX ) The representative told me that they do not require such a thing, they are not aware of the conditions of the contract drawn up by the dealership for the sale of the car, they just send the requested amount. 
the bottom line here is that XXXX XXXX 's sales rep flat out lied about having to purchase that warranty. That was an extra {$2600.00} tacked on to my cost of that car. I still have 2 years left to pay for that car. i will end up paying just over {$25000.00} for a car that was only 2 years old at the time that had a sticker price of {$13000.00} all because of a lie. 
I consider that fraud. Fraud for lying that it was required to purchase when it wasn't, fraud because they used the fraudulent charge to make up the difference for " no money down. Cant imagine how many other people they have made money off of using this tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hello Dear Consumer Financial Protection Bureau I am XXXX XXXX XXXX, and I'm writing to you regarding an extra charge on my vehicle loan charges from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I attempted many times in writing with the financial assignor in the dealership to disclose the charges. But I did not get any response in the last 60 days. 

The complaint is about purchasing XXXX XXXX XXXX XXXX  Contract number with westlakefinancial.com is XXXX Contract Number with XXXX XXXX XXXX XXXX is # DEAL XXXX # CUST XXXX Vehicle VIN : XXXX Here is the explanation about the default. 
I entered the dealership in person for the mentioned vehicle for the retail price of {$14000.00}. I negotiated with the salesperson. ( XXXX ) to reduce the price for adjusting the match price with certified Websites like XXXX, XXXX which is around {$8000.00} to {$10000.00}. 

The salesperson approved for {$1200.00} Cash Discount on the sales price + AN OPTIONAL Warranty Value Discount for {$2000.00}. 
Which Makes the Principle Vehicle Retail Balance to : {$14000.00} - {$1200.00} - {$2000.00} = $ XXXX+tax They also charged these extra charges as warranty and other fees for closing costs total for {$2000.00} includes ; - Portfolio Protection for {$1400.00} - Express Gap for {$490.00} - Estimated Testing Charge for {$50.00} - Electronic Vehicle Registration or Transfer Charge for {$30.00} - Document Processing Charge for {$85.00} I also paid {$1000.00} in-person to dealership as Down payment Thus the total balance should be ; {$10000.00} - {$1000.00} + {$2000.00} + Tax = {$11000.00} + Tax But I see different numbers in the Retail Installment Sale Contract. That shows the amount financed is {$17000.00}! What makes around {$6000.00} Difference. plus interest charges of this difference in % 9.99 interest rate for 72 months!!! 

I'm not accepting the current liabilities in the contract and absolutely no response from the dealership. This made me frustrated and I'm not affording the time, price & energy to followup on this situation anymore. 

Please help me resolve this situation at the fair. 

Thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts, addresses, nor did I authorize these companies to pull my credit.

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 2020-04-17 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: CA

Complaint narrative:
These are not my accounts, addresses, nor did I authorize these companies to pull my credit.

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 2020-04-17 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: CA

Complaint narrative:
These are not my accounts, addresses, nor did I authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage company changed from XXXX to NewRez ( NMLS # XXXX ) in XX/XX/XXXX. On their website it states that it takes 60 days for them to report updates to the credit reporting agencies. It has been almost 1 year and they have not reported anything to the credit reporting agency and my credit reports show a mortgage balance of 0 and that my last mortgage company is XXXX. 

I have called them 3 times, sent them two emails and sent them a letter. I also sent a letter to their parent company ( Shellpoint Mortgage Servicing ). They have yet to respond.

This is causing my credit score to be much lower than it should be. If i want to refinance a loan, I can't because of the low credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue

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 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue

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 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is reporting to XXXX  a debt sold to XXXX XXXX XXXX XXXX XXXX  XXXX that has been dismissed. I have received a Request for Dismissal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  California. This debt is hurting my credit score and also is showing as Derogatory on my credit report. I would like this debt be deleted from my Credit Report as soon as possible. This debt is considered a charge off by Capital One, and should be deleted my from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian, XXXX XXXX and, XXXX have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts nor did I authorize these companies to pull my credit. Please remove 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 2020-04-17 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: CA

Complaint narrative:
These are not my accounts nor did I authorize these companies to pull my credit. Please remove 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 2020-04-17 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: CA

Complaint narrative:
These are not my accounts nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX, Trans Union and, XXXX have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.

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 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, XXXX XXXX and, Equafax have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
Confusing 2 different loan contract

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I am accusing JP Morgan Chase of not following the PPP loan instructions from the federal government. JP Morgan Chase has accepted hundred of thousands of loans in regard to federal Payroll Protection Program, JP Morgan Chase has decided to " cherry '' pick out of the applicants for the purpose of benefiting Chase and not benefiting applicants. The PPP loan was not designed to benefit banks and no bank should be allowed to pick and choose who they want to give the loan to based off the SBA guidence, JP Morgan Chase did not disclose that they would serve large companies prior to small companies and has mislead small businesses into applying. I would ask that you look into who JP Morgan Chase provided a PPP loan to first ( such as XXXX XXXX XXXX XXXX  ) who owes millions of dollars to Chase, you will see they are picking who owes Chase the most money and when they provide the in debt company a PPP loan first then they will have protection on an debt due. This is discrimination and I request this to be looked into. I would also like to file a complaint that Chase has not provided confirmation emails in regard to loan applications being submitted ( in regard to PPP loan ), this leaves individuals in limbo and not knowing what is going on which prevents applicants receiving well needed loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX To Whom It May Concern : RE : Please help to stop Foreclosure and Reinstatement the second Mortgage ( HELOC ). ( Predatory Lending Practices ) - PLEASE Grant a trial modification for THIS 7-YEAR plus LENGTH of the HELOC. 

I have been purchased and stayed in this property, located XXXX XXXX XXXX XXXX XXXX, CA XXXX since XXXX. During XXXX, I have modified the first loan for this property. The first mortgages of the modification have been successful while the HELOC has been denied and the debt of {$110000.00} has put on an invalided situation by Loan Services. SLS ( Specialized Loan Services ) has played a " buy-time '' strategy to delayed and ignore to coordinate and have sincerely helped me to get throughout the HELOC modification. Their strategy to wait for the market turnaround and forces me to foreclosure. 
In many past years, I have to keep submitting many application packages and never receive any response. I do not they pretend to set up a wrong my mailing contact address during years and they sent to wrong address that I never receive any things until the representative accidentally disclose it to be the year of XXXX ( Mr. XXXX ) Beginning of XXXX month XXXX, I have received a notice of Office the District Attorney of XXXX XXXX County : " A notice of Default ''. was recorded against the property and it is now in foreclosure. I also received a few mails from SLS, LLC and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. 
disclosed that the on-going modified debt ( HELOC ) is now valid. They have the right to open this case now and process to foreclosure my primary home. I was extremely confused and frustrated very much BUT I must fight to keep it and willing to cooperate with the Services, or Investor and agencies to come up with the solution. 
I did send email, mail, fax to ask the SLS and Investor to maximize lower the rate to 2 % and 40-year-term or to forbear the plan of HELOC. I also contacted a few lenders who willing to lend me an original amount of HELOC debt to pay off, if Specialized Loan Services or/and Investor willing to help me in forgives of past dues or/and fees. Until now I have not received any replies from Specialized Loan Services. I called the Representative is not available, and the Operators told me their policy does not allow them to text or email. I must be waiting their phone call or I must call back. 
Email is a very potential key for quick responses BUT crucial pieces of evidence in writing. 
In advance, Thank you for the consideration, valuable time, and sincerely helps. I look forward to hearing from your office. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Mr. XXXX XXXX CEO Loan : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove it. Thank you.

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