vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
XX/XX/XXXX i was frauded for a Mercedes benz XXXX over the internet. The car was repossessed because i was denied the option to pay for it, in installments or full payment. I lost my job. On XX/XX/XXXX I paid the full amount of the vehicle to clear my credit. The full amount was {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There is a derogatory account that is reporting on my credit that was never removed. It is past the statue of limitations in New York which is 6 years. My last payment on the account was XX/XX/2014. This account is illegally reporting on my XXXX and Equifax reports. XXXX has already obliged to the LAW. Please remove this account from my report immediately. This is federal offense and is also a defamation of character! 
I have submitted my ID and a utility bill as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: TN

Complaint narrative:
I had a call which I answered telling me that a lawsuit has been filed against me to press one for more information. I pressed one and a rude individual asked me for a case number. I informed them that I didnt know but expected them to know when they called my phone. She told me that my logic was ridiculous and that she did not call. I informed her that someome from there called and asked me to hold. She hung up. I called back and told her that she was completely unprofessional and in violation of the fair debt collection act. She told me I had " too much energy and that she was not the irresponsible individual who did not pay their debt. '' She hung up. I calle dback and she lets the phone ring. With XXXX, I have learned that the number is registered to Jefferson Captial. I want to pursue this violation and be compensated for their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
In XXXX of 2016 I purchased a 50 week timeshare for {$13000.00}. I had 25 years to use it. I paid approximately {$3500.00} down and had a loan of about {$250.00} a month. I paid that {$250.00} for about 2 to 2.5 years. I went thru a divorce and couldnt afford it. 

I understand I had a loan. What I dont understand is Ive paid {$9000.00} and recieved essentially nothing except a right to use something I havent used. 

In addition to that the original creditor had it transferred to collections and the collection company is adding to the total each month. The balance is now {$9000.00} on my credit report. 

I believe Ive already paid {$9000.00}. In my view they got {$9000.00} free, giving nothing. 

Hypothetically would I even receive the 50 weeks if I do pay it off. I dont believe that the case. I feel this is unfair. Im ok walking away from the {$9000.00} paid. And getting nothing in return. Id like the item removed and blocked from my credit report and these tactics investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
This account is not mine, and I ask you to remove immediately this item from my profile as I can not have the item that is not mine. I am victim of identity theft and I do not want to have it. Its killing my profile and why do I need to suffer because of the fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I used PayPal on XX/XX/2021 for a transaction from a seller on XXXX The seller ripped me off and did not send all my items for one and the quality of the items made were not anything he said they were. Some were broken upon arrival. Some were flimsy and toy like. The items should have been sturdy able to handle impact and force. These could not. I wanted my money back the seller would not. I went through PayPal for a refund through the buyer protection they offer. 
Now PayPal keeps fighting me on my refund. They did not give me time to return the items or when I said the seller needs to pay for his junk to be shipped they were going to ask him and did not even wait for his response and denied my claim. This makes no sense since I was the one ripped off. 
I just talked to paypal again yesterday XX/XX/2021 and they have reopened the case. Told me I have ten days to provide a shipping tracking number. Today the XXXX I received an email saying that my claim was denied for not providing a tracking number. It wasnt even 24 hours!! 
I am tired of fighting with paypal to get my money that was taken from me by lies and deceit. Along with their actions of not protecting me like the said they would. I did nothing wrong and was taken advantage. I was supposed to be protected through paypal which is why I used them. Turns out they are thieves as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX,2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: IL

Complaint narrative:
THIS NOT A DUPLICATE XX/XX/21 I just received in the mail today another Visa Debit Card ( XXXX XXXX  ) with a different account number from Cash App - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I have not applied for any credit PLEASE NOTE : ON XX/XX/21 I HAVE JUST FILED A COMPLAINT # XXXX WITH CFPB FOR THE SAME COMPANY SAME CIRCUMSTANCE BUT DIFFERENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XX/XX/2021 I sent a debt validation letter to National Credit Adjusters via certified mail. Their office received the document XX/XX/2021. 

I did not receive any correspondent from this company within the 30 day time frame ( Post Marked XX/XX/2021 ). 

XX/XX/2021 I sent a debt validation " default '' letter to National Credit Adjusters via certified mail. Their office received the document XX/XX/2021. 

I have not received any correspondent from this company within the 7 day time frame listed on the XX/XX/2021 letter ( post marked XX/XX/2021 ). 

This company continues to report false and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.

Complaint narrative:
Follow up complaint number XXXX with XXXX andFTC Report number XXXX : On XX/XX/XXXX I call EQUIFAX phone number XXXX First call spanisn speaking XXXX send me to XXXX whom when I gave my SSN stop the call ; never call back. 
Call again XXXX With XXXX explaining that I has being pursuing : Protection of my Identity for the BAD ADMINISTRATION OF THE EQUIFAX DATA BREACH whom was affected in XX/XX/XXXX when them need to paid : My request were 1. Stop the Equifax 3- in-1 Credit Report suscribed with XXXX on XX/XX/XXXX for the amount of {$14.00} take it for my checking account. 
2. Request my credit report. 
3. Ask why when call the EQUIFAX LEGAL ADMINISTRATION FROM SEATTLE the EQUIFAX said : the person with SSN does not exist in the market because him did not owe nothing. 
4.Update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. This is NOT a request for verificationor VALIDATION or proof of my mailing address, but a request for Identity Theft made pursuant to the above-named Title and Section. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Date opened : XX/XX/2015 {$69000.00} Account : XXXX BMW FINANCIAL SERVICES XXXX XXXX XXXX XXXX, OH XXXX Date opened : XX/XX/2015 {$38000.00} Account:XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone is fraudulently applying for loans under my name. I am trying to determine why TransUnion 's credit report lists " 3rd Party '' inquiries to my credit which inquire about my direct deposit activity and my mortgage - in detail, sq ft, taxes, etc. I called Transunion twice to ask about these inquiries and both times they told me they could not see the inquiries " on their screen ''. However, they provided my detailed information to one of the fraudulently applied loan companies. But they could not tell me anything about it. Its righty in my TransUnion credit report but their own operators could not see 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 2021-06-24 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, they are hurting me 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a late payment on my XXXX credit card for an apparent late payment. The thing is I have autopay setup with my bank, and the bank has confirmation numbers supporting they sent out the payment at the same time it does every month. XXXX uses " TD XXXX XXXX XXXX '' to manage their branded credit card. TD XXXX XXXX XXXX refused to accept my bank 's Electronic transaction confirmation number as proof that the payment had been sent on time as it is every month. They refused to remove the fee and told me to take it up with my bank. 

I have since canceled the credit card account, but I will still need to pay the fee 's and late charges. This is very obviously fraudulent business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.

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 2021-06-24 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: TX

Complaint narrative:
Thank you in advance for your assistance. I have been trying to get this issue resolved with Transunion for some time now. I notified them that some has been trying to open accounts with XXXX XXXX, XXXX, and XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.

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 2021-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/2021 I sent National Credit Systems a debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

XX/XX/2021 I sent National Credit Systems a subsequent debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

XX/XX/2021 I sent National Credit Systems a default debt validation letter via certified mail. Their office received the letter XX/XX/2021. 

I have not heard anything from this company and they continue to report an account that is invalid to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: Lincoln Educational Services Corporation
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 

4. Identity Theft LINCOLN TECH Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: FL

Complaint narrative:
I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.

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 2021-06-24 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: FL

Complaint narrative:
I am writing to you regarding accounts that do not belong to me. I checked my credit score recently and found out the items that are not mine. I want to complain nd ask you to check these accounts because I am very stressed to have them in my profile. Therefore I kindly asking you to delete them from my profile because they are not mine. 

Best Regads.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am a Service member and I fall under the Servicemembers Civil Relief Act Benefits. On XX/XX/XXXX XXXX financed a vehicle for me, a XXXX XXXX XXXX from XXXX XXXX. I was charged a high interest rate and late fees. 

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 2021-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
The company did not have permission to contact me.

The company did not satisfy my request to validate the date as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Commission for debt collector if collection efforts are successful.

I did not receive response to my request within 30 days. ( Validation letter was not provided until XX/XX/21, electronically and only in response to my CFPB complaint. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: NJ

Complaint narrative:
I submitted valid Identity Theft # XXXX reports back in XXXX. I also submitted letters expressing my issues with the fraudulent accounts. I contacted the creditors and they were unable to validate these accounts. I am requesting validation of these accounts under the FCRA. I requested my signatures from the creditors and they have failed to produce signed documentation. I went to the NJ Police department filed a complaint. I contacted each credit bureau and they have not removed the fraudulent items.

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 2021-06-24 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: NJ

Complaint narrative:
I submitted valid Identity Theft # XXXX reports back in XXXX. I also submitted letters expressing my issues with the fraudulent accounts. I contacted the creditors and they were unable to validate these accounts. I am requesting validation of these accounts under the FCRA. I requested my signatures from the creditors and they have failed to produce signed documentation. I went to the NJ Police department filed a complaint. I contacted each credit bureau and they have not removed the fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO CARD SERVICE - XXXX is a fraudulent account that is to be removed from my credit report.

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