vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. 
I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Gm financial Lease I signed for 48 mos {$440.00} a month I was told they needed {$2500.00} down I traded in a car rebates ate my negative equity. Dealer tried numerous sales tactics, they also lied and told me score was lower, I put {$3500.00} on vehicle new vehicle had {$6500.00} in rebates and it was a demo so I intotal put $ XXXX down. Vehicle had numerous issues and vehicle was damaged before purchase and never disclosed! Dealer never informed me once informed the flagged me with Gm finanacial and refused to trade me out of the vehicle. They forced me to keep vehicle and blackmailed me. I was forced to pay almost XXXX for a car stickerd at XXXX. The paint peeled from their XXXX repair and the dealer and service manager purposely scheduled appts inconviently. Once I called Gm customer care to report their inappropriate behavior. They flipped the script to make me look wrong with Gm custom. Numerous attempts to repair exterior finish eluded to a vehicle that looked like it was 4 years old when its only 1 year. DEALER PURPOSLY DAMAGED MY BRAKES AFTER EVERY REPAIR. On the way home from first repair car sounded like brakes were applied without depressing pedal. The advisor informed me it may be a Rock caught in the pad and rotor? I dont drive on dirt roads or jungles! Rock was from parking lot of dealer. Numerous pads and rotors replaced in a course of 1 year. When consumer attempts to trade vehicle in credit score XXXX plus. Dealership had me drive 70 miles 1 way to come in to inform me I needed to pay {$1800.00} down to trade in for another demo with XXXX miles. Not the color or features I wanted. They stiff armed me into a vehicle lease on XX/XX/2016 on XX/XX/2016 when vehicle went to be repaired I was railroaded into resigning lease agreement only never presented with buyers order or informed what payments would be prior to signing! I paid my down payment after I signed my paperwork! They forced me to pay card on theXX/XX/XXXX but I never received paperwork! I then had to bring {$1.00} cash by XXXX XXXX to close deal and then Id get my paperwork! Never received proper paperwork! Keys missing and all! Dealer beyond disrespectful! Service manager full of balogna to be nice and descreet on voicemails but then change his Story in person. They all worked together to XXXX over a hard working individual. I tried purchasing my lease through the dealer they wouldnt let me do it. There was always a problem. The dealer wasnt helping they never offered to swap me out of s vehicle without me putting anything out of my pocket! They also inflated the payemnt so high it was ridiculous. I tried purchasing a truck theyre woukdnt let me trade. I make the money and I have the credit they Just did things out of. They reported I was late paying and I never was late! Id like all derogatory remarks removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was looking to buy a used XXXX XXXX '' XXXX. A typical price on craigslist was $ XXXX {$1200.00}, but I found one that was priced at {$800.00}. It was showed to be in a old and affluent of XXXX XXXX, CA. When I contacted the person, they said that they just moved out to Texas and they they should take the ad down soon. I decided to offer {$750.00} and let them XXXX the computer to me. They agreed and we chatted for a while ; I was trying to establish some sort of rapport. I offered to pay half of the price first. At a number of occasions they appeared to have been ready to back out of the deal. I sent {$370.00} using XXXX. At the time I had heard something about their consumer protection. They were supposed to ship the computer to me the same day, but it didn't happen. I contacted Bank Of America and I just got a response that according to their internal investigation they see no fraud ( claim number XXXX ). Here 's how it all happened : XXXX XXXX XXXXXXXX # 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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
This debt was attempted to be collected by XXXX last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to Enhance Recovery XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company XXXX ever contact me regarding this alleged account. I have never heard of you until I reviewed my credit file. XXXX never gave me the right to dispute the validity of this account before putting into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX claims I owe XXXX to XXXX XXXX. The policy was supposed to be canceled earlier than it actually was, it appears their rep ( s ) failed to do so when I called on or around Late XX/XX/XXXX/early XX/XX/XXXX. The balance stems from two months of coverage, the months of XX/XX/XXXX and XX/XX/XXXX I  believe. Failing to cancel when instructed is not my error, I refuse to pay this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
This debt was attempted to be collected by Afni last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is in regards to Account number # XXXX I am XXXX XXXX military and have a late payment on my credit report for XX/XX/2018 when I was assured this payment was made. I reached out to wells fargo and as of yet they have not resolved this matter. I am looking to purchase another home in a different state with my wife and I risk losing the house and a substantial deposit because of this error of late payment reporting please remove asap to have account reflect never late.

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 2018-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
A small mortgage company offered a {$23000.00} HELOC on my home in XXXX. I signed documents for {$23000.00}, but only {$7000.00} was received. After making approximately 3-4 payments, the mortgage company literally disappeared and stopped sending me statements. Now, fast forwarding to XXXX, I find out that the loan was actually transferred or " sold '' about 5 times since XXXX and the new investor is foreclosing on my home with a new balance of {$220000.00}! 

I've consulted with a Real Estate Broker who says he's never seen anything like this. 
The investment company is impossible to contact and does not return any of my phone calls. This is utterly devastating. How can lien holder do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
This company keeps calling my phone, sometimes 5 or 6 times a day and usually does not leave any messages but they did one day telling me they want me to call them back immediately. I looked their number up on-line and found them to be a collection company in Missouri calling me in California. I called them and was on hold for " the next available representative '' and then was sent to an answering machine where I left a message, including my phone number, telling them I am a XXXX year old woman, with all my debts paid and I do not owe anyone anything and to stop calling me. They continue to call, hang up, and so I added them to my phone blocking system so their calls can not get through. I do however still see even though they can not get through to me, that they still call several times a day even after being told I do not owe anyone anything and to stop calling. If they do not stop, I will sue them in California for {$1100.00} per phone call which would now earn me well over $ 100.000.00+ with all the calls they are making after I asked them to stop! 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Web : 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 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contact Equifax credit breau and the creditors that pull my file and they summit the inquiries as fraud and yet Equifax remain it on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The company are breaking the law by the amount of Hard inquiries there putting in my credit report, XXXX XXXX, XXXX, have placed hard inquiries on my report on, XX/XX/2018-XX/XX/2018, and XX/XX/2018, without my permission, I've sent letters to them an the credit bureaus asking them to remove them, I never signed paperwork authorizing them to do this, could u please help me in this situation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with Bank of America. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as  directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wallet was stolen the night of XX/XX/XXXX, someone took my CHASE debit card and somehow made two transactions at two different atms withdrawing more then I had in my account. The next day I saw my account was overdrawn and I immediately filed a claim. I also filed a police report. Ive been looking at similar cases to mine online and Ive been reading how CHASE has reversed countless claims with little to no explanation as to why or how they came to the conclusion of reversing the claim. I would like to know what are other legal actions I can use to help support my claim?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX  XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal information. I have never had an account with XXXX XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered your bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX at about XXXX PST, we attempted to buy concert tickets in the amount of {$100.00} through a XXXX party vendor. The payment was made via XXXX, which is used to transfer money between XXXX parties. This mode of transfer is accepted through the major financial institutions which will usually protect their consumers from theft/fraud. We asked the seller of the tickets for proof that the tickets were real and they sent us an image verifying their authenticity but required payment prior to sending the tickets. We sent the payment, assuming that the bank would provide us some sort of protection if something occurred. Unfortunately, the tickets were not sent and the seller would not answer any attempts of communication. We then called Wells Fargo to see if they would reverse the transaction but they said that since we authorized the transaction that it could not be cancelled or reversed. We feel that XXXX is very misleading because it does not advertise that it should only be used with friends and family and yet it is being supported by the major banking institutions that give you a false sense of security.

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 2018-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: IPAC'S Inc.
State: IN

Complaint narrative:
Debt collector from Advanced Recovery Services, XXXX XXXX, deceptively addressed my personal XXXX  debt to myself and my wife. This deceptive, because if this is submitted to the credit bureaus, it will impact my wife 's credit as if this medical debt was her 's -- which is not. I contacted the collection agency in XX/XX/2018 by letter requesting the removal of my wife, XXXX XXXX, from the debt and to cease and desist including her in this debt. I realize this is a deceptive way to collect the debt and cause irreparable harm to an entire family, instead of just the XXXX adult that owns the debt. This is why I gave the agency the chance to fix their error in judgment before submitting this complaint to you. After XXXX, they have mailed further collection letters, continuing to address them to myself and my wife. I have no recourse but to file this complaint with you and request your help in this illegal and deceptive practice by this debt collector and his or her agency. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation