vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
Speedy Cash of XXXX XXXX  and XXXX  in XXXX Arizona is Doling out title loans against vehicles in direct violation of Arizona statute not only this but Arizona allows the extortion according to the Department of Motor Vehicles and will not release the title unless the Creditor releases the note thereby co-conspiring against service members- retirees Etc and this includes people in the XXXX  XXXX XXXX of which I was in XXXX. This XXXX I have my full retirement orders. this company watch to play the same game since the credit bureau they push three buttons on a computer they claim they have no working knowledge of any data and that I have handed them a lie which I have not been papers are official from XXXX Tennessee to XXXX XXXX personnel office in response to the XXXX XXXX XXXX XXXX three secretaries ago under direction of President Obama and the Bureau for correction of Naval records these documents could not be more official. 

This company will not listen to reason they do not care for the truth and they continue to extort service members that more than 300 % interest I asked them to cap it at 30 % and they absolutely refused. I keep trying to send me back to their team of lawyers even though they're in direct violation of Congress at this moment because Congress is passing laws to stop this predatory lending. 

The local sheriff 's are in on this and want me to go talk to a lawyer at XXXX to {$750.00} an hour. i can not afford an attorney. I could not afford one to defend my military rites in XXXX what makes anybody think I can afford one now and at this point with the defense department at the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 a victim of Identity theft and I would like to have my documents looked at and 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 non-monetary relief
Consumer complaint received 2022-01-07 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
this is a response to exeter finance who stated i said i stated that the account is fraudulent. however, i did not say this. in the email i sent them, i stated : " to whom it may concern, i will need my loan and account closed. i was the victim of fraud and identity theft, someone went around using my social security number without my knowledge and consent. my account number is XXXX my name is XXXX XXXX XXXX my social security number is XXXX i want you to report to credit bureaus about this to remove account information, i do not want to take any chances with this. please do so, thanks. and please come and get your vehicle that was financed. i had to file a police report and i have filed an ftc id theft report as well. thanks '' i stated i did not want to take any chances on this with my ssn being used without my consent. this is why i reported your company to the NC DOJ recently because of stuff like this. i fought hard for this country and you should do something about this account and vehicle. i surely hope you get your business shut down by the NC DOJ because of this kind of stuff. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-07 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: NJ

Complaint narrative:
All three of the consumer reporting agencies TransUnion, XXXX, and XXXX has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXX  myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
As a consumer my right to privacy has been violated. The last collection notice was dated XX/XX/XXXX and obtained by me from a false address on XX/XX/XXXX in the amount of {$2600.00}. 
The company National Credit Adjusters has listed this on my credit report causing injury, damages, mental anguish, and losses due to identity theft. On XX/XX/XXXX I have issued an Affidavit of Truth with exhibits, Debt Validation Letter and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: GA

Complaint narrative:
On XX/XX/XXXX I sent transunion certified mail ( tracking # XXXX ) they received the mail XX/XX/XXXX. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Transunion received my disputes XX/XX/XXXX and sent back the return receipt XX/XX/XXXX but has not responded to my demands, paid me for my violations, or made any corrections and or changes to my credit report which is a violation of my consumer rights.

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
UCB ( United Collections Bureau ) contacted me two days in a row ( XX/XX/22 and XX/XX/22 ) asking to speak with a family member that shares a similar name. They were told on the first day that they had the wrong number and the call was disconnected and blocked. On the second day, the caller identified herself by first and last name and as an employee of UCB. She again asked for the family member and was told she had the wrong number. She was asked why she continued to call the wrong number and was told that I wanted to be removed from their calling list. She ignored these questions/requests and asked me to pass on a message to the family member she was seeking. She continued until I said I would be reporting them. These phone calls violate the FDCPA through XXXX  ( repeated calls/discussion to a family member ) and sharing private information ( by announcing that they were debt collector and giving out my family member 's name, I am now aware of their private financial situation ) and action should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: eToro USA LLC
State: OR

Complaint narrative:
On XX/XX/2021 I kept inputting XXXX  on the website and etoro  kept coming up instead of XXXX. Since I had tried to contact XXXX  from different internet methods I thought etoro was them. I invested {$50.00} and put it in ethoreum. etoro claimed my account was {$100.00} now with a portfolio of {$140.00}. I was hesitant with this company because I wasn't sure they were XXXX. XX/XX/2021 etoro tried to withdraw {$100.00} out of my chase bank account without my permission. I paid {$20.00} for my bank to put a stop to the transaction. I also blocked etoro from my bank account. I did call etoro about all this at XXXX ( XXXX ) XXXX. After ringing a long time someone answered and said they would call me back in an hour. When I told him I never authorized them to withdraw {$100.00} from my XXXX account he hung up on me. Today I tried to withdraw everything from the etoro account. Since then etoro has blocked me from there phone number, Knocked my portfolio down to {$38.00}, and it goes down every from the {$50.00} I put in ethoreum. When I hit sell etoro will not let me sell the stock. Can not call them because etoro has blocked all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/22, an alleged debt collector ( transworld systems ) contacted my parents, who live in a different state from me, to collect a debt that allegedly belongs to me relating to an XXXX XXXX account. I do not have an XXXX pass account or even a car registered under my name. The first representative was extremely rude to my elderly father and then to me. When my wife called back to try to ascertain the issue, she was hung up on. She called back a second time, at which point a different representative answered, who was able to figure out with my wife that it must be an XXXX pass error. Their number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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'm reaching out because I have reached out to XXXX multiple times stating that the account attached ion the FTC report sent and they have done thing.

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 2022-01-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is complaint against XXXX XXXX XXXX, ( XXXX ) CEO The PNC Financial Services Group , Inc. c/o PNC Bank , N.A. for running criminal enterprise specializing in forgery of public records specifically related to mortgages to legitimize theft of people homes. XXXX was given notice of opportunity to settle a claim on XXXX XXXX against my property, but he kept silent and proceeded using deception to execute of his false claim. In said letter I wrote '' This XXXX XXXX subsidiary which still holds the people ( remnants ) of dissolved National City Mortgage , Co./National City Bank contrary to its banking mission, rather doing banking services focus on forgery and tampering of public documents and government records for purpose to use them under false pretense to take people 's homes which has been apparently more lucrative business then lending money '' XXXX  as CEO is a front man of several subsidiaries allows these satellites without restrictions prey on individual consumers, specifically concerning on mortgages where the stake is house, the most important asset of people. The complaint involves PNC Bank, N.A. in XXXX Ohio, an institution who forged public records of State of Ohio, which then paved them road to theft of my property. XXXX has been keeping XXXX eye on the crimes of his subsidiaries, knew that forgery of public documents took place, but did nothing to restrain them, thus is equally guilty for these crimes. Pleas note, that all replies to this complaint must be by XXXX only and have to be verified under penalty of perjury. No lawyer meddling in answer this complaint is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery is attempting to collect a credit card debt that they bought. They call twice a day every day and never leave a message on my answering machine. They just let the phone ring and ring and then hang up, never leaving a message. Once I picked up the phone and told them to stop calling because they never leave a message. This has been happening for many many months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer XXXX XXXX XXXX is violating my rights. I have never done any business with XXXXXXXX XXXX nor do I owe them any debt. They are violating my rights by having my personal information with is defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID & SSC to identify me.

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 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I checked my credit score and credit report and discovered that my credit score had dropped XXXX points due to a new collection account reported on my credit. I have no idea what the account is and was never contacted or provided any information regarding the alleged debt. I never received a debt validation notice or any other documentation of the debt. I was also never provided any information regarding who the original creditor was. 

According to my credit report, the creditor of this alleged debt is : Portfolio Recovery Associates XXXX XXXX  XXXX, XXXX XXXX XXXX, VA XXXX XXXX I have never received any communication or documentation from Portfolio Recovery Associates regarding details of the debt or my rights as a consumer to dispute the debt. The details provided on my credit report about the debt are insufficient as well. The only details provided on my report are : High Credit : {$460.00} Terms Frequency : Unknown Balance : {$460.00} Amount Past Due : $ XXXX Months Reviewed : 0 Owner : Individual Account Type : Other Term Duration : 0 Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : Banking Loan Type : Debt Buyer Account Date of First Delinquency : XX/XX/XXXX Portfolio Recovery Associates has violated my consumer rights under FDCPA. This alleged debt/account should be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/2021 TransUnion began applying monthly charges to my XXXX credit card in the amount of {$26.00} for items that I had not authorized. I made the discovery sometime in XXXX and I contacted TransUnion to find out what the charge ( s ) were about. I was told then that these charges would no longer be placed on my XXXX credit card. TransUnion did not identify the items or the merchant ( s ) providing a service for which I was being billed. When I reviewed my XXXX credit card bill I noted that there was no charge in XXXX and I thought that this would be the end of such billing. I also expected to receive a credit from TransUnion to my credit card. Unfortunately, not only did I not received a credit for these unauthorized purchases ; I discovered the continued billing in the amount of {$26.00} through XXXX until XXXX. When I called TransUnion, I spoke to representative XXXX who suggested that I ordered a credit monitoring and that it would be canceled in XXXX. This did not happen either. At this point I reached out to XXXX XXXX Services for their assistance. I informed them that I never authorized the purchase of any items nor did I request any " credit monitoring '' from TransUnion and I would appreciate their investigating this matter. I believe file # XXXX will support my efforts to get to the bottom of these charges. I was told that I would be credited on my card for the outstanding charges from TransUnion until these disputes were resolved. At that point, it was suggested that their was possibly a subscription that I ordered. Again, I know of authorizing no such items.. By XX/XX/2021 the disputed transactions were settled in the favor of TransUnion amounting to {$180.00} plus interests. In addition, when I received the statements from XXXX XXXX regarding these disputes my husband 's name appeared as the recipient. He, too has no knowledge of receipt of any merchandise from TransUnion. 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 monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
I contacted the mortgage company and asked them to remove the monthly Private Mortgage Insurance since my home is under 78 % loan to value. I received a letter from the company that stated I need to have the loan with them for at least 2 years before they will consider removing the monthly Private Mortgage Insurance from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}

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