vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
GM Financial account # XXXX I purchased my lease for {$27000.00} this included NJ sales tax. 

I have not received any documentation from GM documenting that I purchased and paid sales tax. I CAN NOT register without this information.

I have called GM 11 times and have not received this information in spite of the fact that they keep telling me that I will I am asking for something in writing noting the sale price and the specific amount paid for NJ sales tax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX XXXX and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.

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 2022-04-12 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I set up a onetime auto pay for XXXX XXXX dollars they did not remove the funds when they said allowing another transaction to dip in the money so I canceled the payment. They took it upon themselves to continue to run this same payment even after it was canceled mind you I am not on autopay. I called in and made a XXXX payment on XX/XX/XXXX by the way no bill was due until XX/XX/XXXX. I tried to use my card and nothing happened. I call in and they tell me my account has been closed for to many return payments and the fact is they sent them through without my permission and they just took my money and closed the account damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am a current account holder and have maintain a pre-existing business relationship with One Main FinancialXXXX, TX. I requested on XXXX office visit and submitted my written request to be placed on a monthly Payment Plan, so I don't fall into default on my loan. 
The reason for my inability to maintain the original loan payment is due to a wide range of conditions which have affected my ability to maintain the original monthly charges. These include unexpected medical debts, pandemic expenditures over a prolonged period, rising costs of living, economic inflation, and the dollar amount of my fixed XXXX income. 
Under the Texas law I should be able to be placed on a payment plan which I was refused. I have acted in good faith in trying to pay my loan but recently treated unfairly when I asked to be placed on a monthly plan to avoid default actions.. Rather, I was placed on 2 deferments for half of the original payment amount I struggled to pay in XXXX and XXXX. I was informed by local office that corporate policy allowed 2 deferments options per year only and I would have to return to original payment amount for XX/XX/XXXX. I was clear in informing the staff at that time, in person and by phone that I just didnt have the funds. I asked and asked to be set up on a monthly payment plan I could afford not a fixed price they dictated. I hand carried a {$75.00} payment for XXXX payment which was refused and not accepted. 
My interest rate of 29.62 % I was told could not be readjusted or refinanced, loan dated XX/XX/XXXX and is At this time, I can afford to pay {$50.00} per month over the next 6 months and hopefully be able to restart my normal payments in XX/XX/XXXX. I am open to an XXXX Hearing and wish to avoid default and negative credit report. In addition I requested w my interest rate of 29.65 % could not be adjusted or refinanced at a lower interest rate and Loan taken out in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXXXXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX 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 2022-04-12 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: TX

Complaint narrative:
FRCA Violation credit card late payment XXXX FRCA Violation auto loans late payment XXXX XXXX XXXX FRCA Violation student loan late payment XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
A letter demanding proof of an alleged debt owed to XXXX  XXXX ( account Number XXXX ) was submitted to Portfolio Recovery on, or about, XX/XX/XXXX. I later received a generic response indicating that the alleged debt had been " verified '' and was being reported to XXXX. 
Portfolio Recovery reports that this account was opened on XX/XX/XXXX. In fact, Portfolio Recovery is attempting to collect a debt that has long since passed the statute of limitations for collections- that being 7 years. 
Portfolio Recovery did not provide proof of the debt, nor did it provide payment or account histories, as requested. Portfolio Recovery does, however, continue to inaccurately and illegally report this " zombie '' debt as a " fresh '' debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/2022 I was offered a job that turned out to be a scam. The company I was supposed to be working with was XXXX XXXX. They sent me a check on XX/XX/2022, and advised me to use mobile deposit to deposit this check into my account. I was then supposed to use those funds to order equipment for the job. I called my bank, Wells Fargo, and notified them of this, and questioned whether or not I should be concerned. The banker advised the check was going through, and no concerns they can think of. On XX/XX/2022, the funds were in my account, and XXXX advised to send the first payment via XXXX. I did this, and then they requested more payments be sent. With this, more and more issues came about and the payments wouldnt complete, but XXXX rushed me to get the funds sent and suggested a wire transfer. i spoke with the bank again and advised what was happening and still did not get any additional direction. I sent the wire but advised the company it was under duress and was very skeptical. After the wire transfer completed, XXXX sent me another check stating I need to order more funds. I pushed back as much as possible, but ultimately ended up depositing the second check, but advised funds would not be sent without more information. I called the bank directly after and was told that this was indeed a scam, and that unfortunately I will be responsible for the funds sent. I dont understand how this is a case, and now I am negative over {$2000.00} in my account. I would simply ask to be ace whole as I made every attempt to discuss with the bank during this process to avoid any negative repercussions on myself. Again did not spend these funds, but sent as directed. I know that certain financial precautions are in place ad would like this reviewed. 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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I contacted the company and asked them to remove the collection from my credit report due to the 7 year legal limit on debt collection in my state. The account has missing information ; including the account status showing as neither open nor closed. This debt should no longer appear on my credit report, creditor refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2022-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
There was a loan taking out in my name i wasn't aware of until it showed up on my credit and i start receiving letters saying that i need to pay them. This is not me i didn't apply for no loan. I spoke with someone concerning this matter and asked how were the funds delivered and they stated into a banking account. When i asked what was the name of the account i never heard of it, I don't even bank with the bank name that was given to me. She also stated that the loan was being paid back then the person just stopped making payments on the loan. So now i am here trying to resolve this matter so it can be taking off my credit and to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: DE

Complaint narrative:
On XX/XX/22 I tried to log in to my Binance.us account to view funds and make changes. Upon logging in I was met with a screen that asked me to confirm giving Binance consent to my biometric data. The only option on this screen is to consent ( agree ) or return to the home page where I can not access my account. So, in other words, I have to agree to them sharing my biometric data or they will not give me access to my funds. 

This is illegal, and Binance US should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: TX

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX # 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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 non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The fraud transaction was posted on XXXX for a total of {$5000.00}. 

I have contacted PNC bank to resolve this issue but the bank refused to refund my money. 

These transactions were fraudulent unknown transactions that I did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.

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 2022-04-12 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.

Company response to consumer: Closed with explanation