vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
Hello CFPB, Here is a copy ( in quotations ) of my attempt to work things out with Exeter Finance. 

" Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Basically, in my letter of complaint and then again in my affidavit to Exeter Finance, I explained that the assignment that was presented to me by the car dealership was not signed nor dated by the dealership representative in order for it to be assigned to anyone or company. I also explained that I never received nor signed, nor agreed to ( or entered into ) a contract with Exeter Finance.

I wanted Exeter Finance to show validation a debt to them from me. I have asked them more than once to provide their proof to me.

Also, in my affidavit to Exeter Finance, I cited several laws that explains how they have violated my consumer rights ( including deceptive phone calls which were under a different name on my caller ID ), and I asked that they answer my affidavit with an affidavit, point for point. 
Attached to the now expired affidavit I requested that Exeter Finance would cease and desist any further collection methods/activities until this matter is resolved ; including but not limited to removing any information they have provided to the Credit Reporting Agencies about me according to consumer law.

While they have responded to my correspondences, Exeter Finance has yet to do as I asked, they have not validated any debt to them from me, or answered my affidavit with an affidavit, point for point, and they are still continuing to report false information about me to the Credit Reporting Agencies.

All they have done in response to my requests is send me a copy of my payment history along with a copy that they have of the 'unsigned ' assignment form from the dealership.

CFPB, at this point I am reaching out to you because I would like your assistance in obtaining verification of a debt that Exeter Finance says I owe them when they are clearly not the original creditor. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i need these inquiries removed they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
i need these inquiries removed they are not mine

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 2022-09-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
INQUIRES ON REPORT THAT WAS NOT AUTHORIZED.

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 2022-09-09 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 
-XXXX  XXXX, Account # XXXX -XXXX XXXX, Account # XXXX -XXXX  XXXX/XXXX, Account XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-09-09 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: GA

Complaint narrative:
The following accounts and inquiries listed below are all fraudulent and were opened without my consent and it is against consumer law to report fraudulent information on consumers credit report. 

Fraudulent Accounts TransUnion XXXX XXXX Bank Acct # XXXX Fraudulent Inquiries TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2022-09-09 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: GA

Complaint narrative:
All of the listed accounts below were opened fraudulently without my consent and it is against consumer law to report fraudulent accounts. 

Experian XXXX Accounts XXXX XXXX XXXX  Acct # 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 2022-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card with Costco /Citibank once in a while I use the card at XXXX but then I stopped because I preferred to shop at XXXX XXXX XXXX. Paid the minimum charges every month without any problems. Then the pandemic hit us which caused a lot of financial headaches for me as I am a full time caregiver to my wife who is a XXXX survivor but had a XXXX and now she is permanently XXXX. Fast forward I was behind in paying some of my bills to point that I reached out to some of the creditors and made arrangement and paid but then when I reached out to Citi I was told my account was closed and that I will contacted by another company. When I asked why, I was told that I was late in paying my balance of which it came as shock to me when I was told I owed over {$2000.00}! That was a red flag but they could not help me at all. So I believe I am victim of identity theft. I did not spend that much on that credit card with Citi.

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 2022-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery associates , LLC has been calling and harassing me nearly everyday, and multiple times per day most days to recover a debt that I have disputed due to no knowledge of account. I have asked them to please stop calling me, and when they refused, I told them I would block their number as I have no business with them. They continued to call, always from another number. At this point I have had to block at least 10-15 different numbers in my phone. I just recently received a letter from them in the mail as well, stating how much they are asking from me with options to pay. The letter has all options of where to send payments, address, phone number ect. At the end of the notice there is no list of any of my rights as a consumer, no explanation of how to dispute, other than directly with their company. Also states that they have no California license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Today. XX/XX/2022 XXXX pm Received call from XXXX Caller stated they were from TransWorld Systems Incorporated and they asked for my name. They stated they were trying to collect the debt from XXXX XXXX XXXX. 
This debt has gone through 5 different collectors and paperwork was submitted 5 separate times via certified mail, that this debt is not mine and that it belongs to a deceased person 20 years ago. This company is abusing its power and misrepresenting themselves and their power to attempt to collect monies that are not owed to them. Please regulate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Money was taken out of my account on XX/XX/2022 by a XXXX XXXX XXXX for XXXX dollars traction id # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX NO AZ XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal account was disabled last year and I still have the slightest idea of why spoken with someone in customer service XX/XX/XXXX of last year and was informed my account would be disabled for 180 days. Well it been over the amount of time I was told the account would be on hold called again on XX/XX/XXXX and was told my account would be handled by the resolution department within 24-48 hours and once everything was done my {$360.00} would be deposited into my current account with XXXX XXXX and its been past 24-48 hours since last conversation with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 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:
This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. 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 non-monetary relief
Consumer complaint received 2022-09-09 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: NJ

Complaint narrative:
This is the second time filing a complaint - as my first request has gone unanswered. I have asked the bureaus to supply information- in writing- so that I can review the investigation results. These accounts do not belong to me- and I have made that very clear. 

As of XX/XX/2022 - I have not even received my original request for investigation even though it shows in your system otherwise. 

Please investigate this, before I escalate to the Attorney General 's office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: SUN WEST MORTGAGE COMPANY, INC.
State: MD

Complaint narrative:
There is a mortgage inquiry on my XXXX  XXXX  account. Stating a 30 year Sun West Mortgage Company inquiry with a 5.873 % and 6.604 APR rate. And another inquiry stating 30 year Sun West Mortgage Company inquiry with 6.248 % and 6.988 % APR rate. I have never applied for any mortgage loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
INQUIRIES ON REPORT THAT ARE NOT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
XXXX XXXX XXXX Acct XXXX XXXX XXXX Georgia XXXX XXXX XX/XX/2022 Amount {$290.00} Amount {$500.00} The company refuse to except the fact that I spoke to the hospital and they do not have a bill for my name or social. They are very rude and they speck to you in a disrespectful manner. Not to mention XXXXXXXX XXXX XXXXXXXX has no contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: OH

Complaint narrative:
In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
affirm account # XXXX has violated my rights affirm account # XXXX has violated my rights affirm account XXXX XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights XXXXXXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-09 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: FL

Complaint narrative:
On XX/XX/2022, I sent TransUnion a notice that there'd been unauthorized, inaccurate accounts being furnished to my consumer report and demanded them to be verified or deleted immediately. 

To date, I have not heard about any specific action taken by TransUnion regarding the items I had identified in my consumer report as inaccurate or unauthorized, nor do I see any changes to my report. 

I understand the statutory time period of thirty ( 30 ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore, no investigation is needed, nor should it take 30 days to correct the information provided. 

TransUnion has not complied with the Fair Credit Reporting Act by not deleting the disputed items from my consumer report. 

This is a permissible request for TransUnion to act as an agent and correct their misleading information. 

They are committing identity theft by furnishing information without my written consent, violations, deprivation of my privacy, and causing me defamation of character.

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 2022-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp
State: MO

Complaint narrative:
It began due to the pandemic, ( approx. XX/XX/XXXX ) Asked for the forbearance program. Was told to send payment when ready to end the forbearance. Which I did. They held the check for a month and then returned it ( UnionHome Mortgage ). They wanted the entire amount. No way did we have that amount of money. I was on the phone and computer back and forth with them for over a year. Requesting a modification. Just wanted the back payments set the end of our mortgage. They just jerked me around and around. Then we got bills and info from a company XXXX XXXX XXXXXXXX. We sent a payment. They did the same. And denied us a Modification. Next ( XX/XX/XXXX ) thing they sent a letter with information about XXXX XXXX. a debt collector. 
I have tried to find an agency to help us with the arrearage. Government agency said they don't do that. I've sent a request for help to the XXXX 's office. 
We have been lied to from the beginning. We had no idea that mortgage companies were crooked like this. Beginning amount was approx, {$13000.00} now it is {$43000.00} from all their run around bs.

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 2022-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
My original loan was with XXXX XXXX. I was very happy with them for years. 
They sold my mortgage to The Money Source in XX/XX/XXXX. I received letters telling me to create an online account, which I did. I was told my XXXX payment was to be sent to the new servicer. I sent my new payment via online bank with the new loan number. It was accepted and I did not seem to have a problem. 
I sent my second payment on XX/XX/XXXX via online banking for my payment due XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my bank that the payment was returned from The Monday Source ( TMS. ) I called TMS and after XXXX phone calls with individuals that just kept telling me to " call back tomorrow. ''????, I finally got a hold of someone who explained that my mortgage was not yet set up and that's why the payment was returned. This made NO sense to me, as they had accepted my XXXX payment! She said to try again the next day because she had sent a notice in to have the correct department get it set up for payments. 
XX/XX/XXXX, I re-send my payment from my bank to TMS. I checked my online TMS account daily to watch for the payment to hit. I have NEVER been late on a mortgage payment and am not happy this was showing as late. 
XX/XX/XXXX I receive an email from TMS that my payment is late!!! 
I was livid. I called and spoke to a woman who said I never sent a payment that got returned. I have PROOF from my bank that it was sent and returned. She them told me once again that my account was not set up and that my payment was probably in the process of being returned and that's why it was not showing up. 
I asked to speak to a supervisor and was out on hold, after a time I was told supervisor would call me back after he got off current call. 
It has now been 3 hours - no call from anyone at TMS. 
This is RIDICULOUS - I just want to pay my mortgage!!! If my late payment is reported to any credit institution, I have documentation and will bring a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Westlake Services, LLC
State: GA

Complaint narrative:
INQUIRIES ON REPORT THAT ARE NOT CORRECT

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account with citi. They have seized my money in my account and said they are investigating me. They have not provided cause for my investigation and they are withholding my money and ability to close my account. I need my money to live and can not afford to have it taken from me for 30-60days or indefinitely. Id like my money back immediately and a full apology. It seems that opening an account with a large amount will cause Citi to just take your funds and investigate you without explanation. And as a XXXX male I dont appreciate the additional oversights and hard investigations without cause

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