vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I already filed the claim with CFPB case # XXXX regarding fraudulent loan with TRUIST Bank XXXX XXXX XXXX despite all my efforts I couldnt resolve that issue with their Fraud Management Department XXXX An Identity Theft claim was filed on my behalf on XX/XX/2022. The claim was reviewed, and a letter was mailed on XX/XX/2022. It was determined I had been the victim of the identity theft and the loan account that had been opened in my name was closed. 
So the case was closed and I received a letter ( attached ) from Truist Client Resolution XXXX, XXXX XXXX XXXX, stated that I was a clear victim of the identity theft. 
But they are still sending me monthly bills with an outstanding balance of about {$840000.00}. I again tried to solve that matter with TRUIST Bank but with no success. 

Thank you for your assistance 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 2023-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I do not owe the debt, they have sent a collection letter. The collection letter has inconsistent information, they are claiming there is a way to dispute it online on their website. 

Their website does not have any way to dispute it and they do not pickup their phone. No one is available to speak on phone line.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reopened a charged off account in XX/XX/XXXX that was charged/ voluntarily repossessed back in XXXX without me making any type of arrangements or any changes to the account. There has been no changes or updates since 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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reopened a charged off account in XX/XX/XXXX that was charged/ voluntarily repossessed back in XXXX without me making any type of arrangements or any changes to the account. There has been no changes or updates since 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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Delete these accounts off my report as the are incorrect I will also list the late payments that need to be updated off of my consumer report. I demand deletion at once as they are causing damages to my mental health and financial distress. 

DELETE 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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX  XXXX XXXX, ga XXXX and the addresXXXX XXXX XXXX XXXX  ga XXXX does not exist

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 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I got a letter claiming I owe {$36.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and collected by transworld systems inc ( TSI ). 

Noted charge was falsely applied to me while I was using a XXXX XXXX XXXX along with other charger that was over {$100.00}. 

I disputed with my bank part of the {$100.00} as I saw accurate and the whole {$36.00}. The dispute was successful and my bank received no evidence or communication from XXXX. 

transworld systems Inc asked that I write to them by XXXX, XXXX XXXX  or else they will assume that the dept is correct. transworld systems Inc never attempted to call, email, or mail me. transworld systems Inc also falsely claim that I can dispute the claim online which I did XXXX  times. TSI didn't provide any email confirmation or any other way of confirming that they received the dispute. Hence, they can always claim that they never heard back from my and claim that the charge is accurate which is far from true and a practice of criminals. 

transworld systems Inc dispute form allows only uptoXXXX character which is criminally low and didn't allow me to tell my side of the story, or defend myself. 

transworld systems Inc never responded back to my disputes and never provided any evidence of the charge. 

Reference TSI Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX XXXXXXXX XXXX, ga XXXX and the address XXXX XXXX XXXX ga XXXX does not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
Complaint and QWR to Caliber Home Loan , Inc. and XXXX XXXX XXXX XXXX XXXX According to my Note, only the Note Holder can demand from me payments; declare me in Default and initiate foreclosure of my home because this Note Holder paid VALUE ( money ) for my debt and was entitled to receive but not received my payments. 

My Mortgage said that my NOTE or part of my Note may be sold. My Note is not endorsed to anyone. XXXX forged XXXX, XXXX dated XX/XX/XXXX, another is undated, stated that the payee is Caliber Home Loan , Inc. 

On XX/XX/XXXX Caliber personally confirmed to be the Note holder. Please state if XXXX paid value for my Note, whom they paid this value and the amount of value, in $ $ XXXX 

On XX/XX/XXXX Caliber said that the CURRENT owner of THIS loan is XXXX. On XX/XX/XXXX Caliber said that they are serviced the Investor. 

Please state the full name of this Investor and if this Investor was the Holder of my Note, in due course if another company, XXXX, claims to be the CURRENT owner of my alleged loan and insisted that XXXX PURCHASED my loan from unknown to me parties on XX/XX/XXXX Please identify of which particular loan XXXX  is the current owner Here are XXXX different loan numbers, XXXX of which under Calibers name. Which of these XXXX loans is CURRENTLY owned by XXXX. 

Please identify the person ( s ) or entities that were entitled and are currently entitled, directly or indirectly to the stream of revenue from me, as the borrower in the subject loan. 

State the NAME is the company who hired Caliber Home Loan , Inc as a Servicer ; and the name of its individual employee who was responsible for hiring Caliber. 

The NAME of the company who authorized transfer of Servicing from XXXX XXXX XXXX XXXXXXXX to Caliber and the NAME of its individual employee. 

The NAME of the company who authorized transfer of Servicing from Caliber to XXXX in XX/XX/XXXX and the name of its responsible employee. 

XXXX XXXX XXXX XXXX Loan Number XXXX Caliber Home Loans , Inc. Loan Number XXXX Caliber Home Loans , Inc. Loan Number XXXX XXXX XXXX XXXX XXXX XXXX  Loan Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
My cousin as you can seen on the picture used my information to get insurance in her name. I contacted XXXX  as you can see below they fail to investigate on serval occasions

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 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX would grant my ownership of my account once issued the proper documents to do so. I've sent multiple negotiable instrument to tender payment none have been honored. Companys director of compliance XXXX XXXX personal insists that I pay CASH for my car note. Even after informing him the I was indeed the HOLDER IN DUE COURSE. An that It is evidence of my having a title of ownership by my receiving statements at my principal residence. Not wanting to hear me out ended the call. I issued a notice to rescission or assent on all promises to perform on this obligation.

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 2023-01-07 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: AR

Complaint narrative:
I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. XXXX was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX card account XXXX. Please have the company investigate this account. And finally XXXX bank XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had an account with Synchrony bank for a Rooms to Go account. I had a {$5000.00} credit limit with 0 % interest rate loan with a 5 year term. I have paid every payment on time and never been late. They lowered my limit down to the balance that was left on the account. I just received an email stating that they now have closed the account and it is showing as a settlement on my credit. I never agreed to a lump sum payment and account was always current in good standing.

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 2023-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DISCOVER BANK
State: PA

Complaint narrative:
I originally had a XXXX % fixed rate student loan with Discover Student Loans. The firm last week arbitrarily changed the loan to a variable rate loan without notice. They raised the interest rate to XXXX % raising my monthly student loan repayment amount from ~ {$1100.00} to {$1600.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mathew Aaron Holdings Inc.
State: CA

Complaint narrative:
An affidavit of Billing Error Notice was mailed to XXXX XXXX XXXX XXXX and/or XXXX, XXXX but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z. 
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information. 
XXXX XXXX Collections XXXX XXXX/ XXXX XXXX XXXX - XXXX collection practices. 
CFPB XXXX XXXX of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 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: AR

Complaint narrative:
I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. One was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX XXXX  account XXXX. Please have the company investigate this account. And finally XXXX XXXX  XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.

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 2023-01-07 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: AR

Complaint narrative:
I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. One was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX XXXX  account XXXX. Please have the company investigate this account. And finally XXXXXXXX XXXX XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.

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 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: McKenzie Management LLC
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to 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

Company response to consumer: Untimely response
Consumer complaint received 2023-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX XXXX XXXX  and XXXX  asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
An affidavit of Billing Error Notice was mailed to Westlake Financial but they didn't respond back. 

The account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

CONSUMER PROTECTION LAWS and U.S. CODE VIOLATIONS : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

CFPB 1026.23 Right of Rescission ( cancellation ). 
A note is only a promise to pay and not payment ( XXXX XXXX XXXX  v XXXX, XXXX P XXXX XXXX ). 
15 U.S. Code 1692a ( 1 ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
18 USC 112/ 5th Amendment - Depriving my liberty as a National of the United States of America ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process of law and/or without my consent.

42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history.

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 2023-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I notice that in the end of XXXX and the beginning of XXXX there were money being transferred out of my account without my permission. I contacted the Wells Fargo bank immediately and have a case opened on XX/XX/XXXXXXXX XXXX XXXX. They said it would take 10 business days to do the investigation and reimburse me with the money but failed to do so.

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 2023-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Many businesses in this age fall back on one clause which boils the blood for all consumers : the umbrella protection excuse. CashApp will restrict, suspend, cancel or even ignore your inquiries on a specific situation and have zero responsibility for explaining why?. This is no different than a parent commanding a child to go to their room, and offering no reason as to why theyre being punished. How are people supposed to learn from mistakes, and grow in their interactions with businesses? This line in the sand has created such anger within our society. It has with me. How frustrating it is to be told I no longer have the paper money deposit ability on my account because it may be that I violated a term of their policy, my account is too new, or my deposit history is. If Cashapp disclosed that after review of my account, the restriction was placed, then there is no reason not to give the purpose. I mean, cause and effect. Some action has caused the action of restriction. this world has an issue with taking responsibility. We plead not guilty when dealing with a XXXX  XXXX XXXX XXXX XXXX XXXX. We speed. We hire those to cheat on our taxes. Is this the direction you want our future to continue? Companies should not be able to instill XXXX restrictions, punishments, or any activity really without an honest reason. Their support should never disconnect from you when engaged in conversation. Its no different than being hung up on

Company response to consumer: Closed with explanation