vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment.

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal.

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: PA

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 Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: IL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This bank is the only bank that keeps charging me overdraft fees. The account with literally show available balance I use my card then after a while it will act as if I never had the money. They told me if I deposit money same day I wont be charged overdraft fees yet Im still charged overdraft fees. I dont have overdraft protection XXXX dont want it. 

They they have a special time of payment processing called time order processing. These people will literally lets you spend off your card and have the transactions pending and show you have available left and days later tell you that you didnt have money, they want me to keep calendar records and take notes of what I spend. With XXXX or XXXX XXXX if I spend money it takes it out my balance.. not show me I still have the same amount of money! It doesnt let me spend money I already spent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
LOAN PAID IN FULL XX/XX/20 NO TITLE KEEP GETTING RUN AROUND XXXX SAYS TITLE DEPARTMENT DOES NOT TAKE PHONE CALLS NO MANAGER AVAIALABLE WHEN CALL CUSTOMER SERVICE TRANSFERED TO VOICEMAIL TRIED TO GET DUPLICATE TITLE UNABLE STATE OF COLORADO SAYS VEHICLE STILL HAS LIEN XXXX SAYS TITLE MAILED HOWEVER THAT IS NOT TRUE BECAUSE STATE REFUSES TO ISSUE DUPLICATE TITLE BECAUSE LOAN STILL SHOWING ON VEHICLE. 

ITS BEEN 8 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 explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing a complaint about Citibank Risk Management and Retail services. On XX/XX/XXXX I was scammed through the internet and on the phone. I have filed crime repots with the XXXX Police Department ( XXXX XXXX ), the FBI and the XXXX XXXX Police ( Cyber Crime Reference number XXXX ). The criminals took {$400000.00} from our accounts including {$200000.00} from an equity homeowners line of credit. 

The scam started with my request for a refund from an internet software company, XXXX and XXXX. The request for a refund registered {$200000.00} instead of the {$200.00} I was requesting ( obviously a scam ). They told me and showed me on my Citibank account that they had transferred {$200000.00} into my checking account. This must have been a screen shot or a picture because my checking account did not have the {$200000.00} balance. I went to the bank and wired transferred the {$200000.00} to the scammer in XXXX XXXX. The next day they said the XXXX XXXX bank did not receive the money so I thought I wired another {$200000.00}. I did not know that they transferred the {$200000.00} line of credit from my home equity account into my checking account. In addition, they transferred an additional {$130000.00} ( severance ), and {$50000.00} from other accounts. No one at the bank at any time questioned the transfer of {$200000.00} from my home equity line of credit to my checking account and subsequent transfer out of the country. They never questioned my release of {$200000.00} for the transfer of an additional approximately {$200000.00} for a total of {$400000.00}. No one questioned the conversion of the line of credit that had not been used in over 5 years. 

What about the anti money laundering rules? Why did the bank not contact us when a huge amount of money was withdrawn and transferred from our accounts including the home equity line of credit? 

My other bank would have notified me of potential fraud. I received no notification from Citibank or their Risk Management or Fraud Divisions.

I went to the bank on Wednesday to report the scan and block the account. At that time I found out about the use of the home equity line of credit. The Bank Manager told me I had to pay back the line of credit because the transfer was completed on line. Citibank has responsibility to notify me of potential fraud and they did not do so. 

I can not even reach anyone at Citibank to discuss the case. It is my belief that Citibank did not exercise appropriate risk management and anti money laundering procedures and should be required to make restitution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent Transunion and XXXX  by certified mail that they are reporting inaccurate information. I also included the report and outlined everything that was inaccurate. I included social, id, and proof of utility. I also see their reporting public records which is very much a violation public records do not report to the bureaus. I also have the letter stating that ... they sent me a letter saying they need identification, which I've sent with everything that enclosed ... I have copies of everything that i sent and also certified with tracking ... They are trying to hold me back and not knowing they violated the FCRA statue of limitations and they held accountable. I request all inaccuracies to be DELETED! its false and inaccurate.. i will also include the courts documentation that they do not report to the bureaus ... This is a violation and shall be removed under FCRA sections..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following information on my file. I did not make the charges. The information listed in IDTheft Report does not relate to any transactions that I have made. It is the result of Identity Theft. Also, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: IN

Complaint narrative:
On XX/XX/21, XX/XX/21, XX/XX/21, I sent letters to the credit bureaus about inaccurate information being reported on my credit profile and till this day over 90 days later I have not received any type of response from the bureaus. The bureaus are ignoring me and taking advantage of me. To my knowledge there is a code Section 611 ( a ) that states that a failure to investigate these items within 30 days give a reason to immediately remove the items that I am disputing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Fund
State: OR

Complaint narrative:
Opportunity Fund XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. 

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. 

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
As a merchant XXXX ), I processed a charge of XXXX through my credit card proccesor Square on XX/XX/2021 for services provided to XXXX XXXXOn XX/XX/2021, the charge was disputed by the customer, stating services not provided. Upon receipt of the customer 's dispute, Square deactivated my account. However asked for evidence to challenge the chargeback. I submitted support documents to establish services were provided ( promotion media, service agreement, emails, credit card authorization ). Square debited my bank XXXX. 
The customer submitted a copy of an email sent to her guest, advising the event was canceled due to low participation and their creditt cards would not be charged as her evidence. Yet failed to admit to her bank she was in fact the client not a guest.This fact should have been clear by the service agreement I provided. The chargeback was schelued to be determined XX/XX/2021. On XX/XX/2021, I received notification from Square the chargeback was decided in the customer 's favor, Not understanding how we lost the dispute, I requested Square to provide the case number and a copy of the challenge they presented to the customer 's bank. Square has advise they can not provide the information I requested. I personally believe Square didn't challenge the dispute and that is why it was decided in the customer 's favor. I want to file an arbitration with XXXX but I can't without the dispute case number that Square refuses to provide. If they acutaly challenged the disput, there isn't a valid reason not to provide the case number. This by all accounts is deceptive practice. Additionally, due to my account being deactived, I can not access Square by phone. 
I lost XXXX for their failure to honor their professional resposibility. I'm requesting your assistance to resolve this matter. I'm requesting Square to provide full disclosure respective to the dispute of XXXX ( merchant ) and XXXX XXXX ( customer ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an offer in the mail from Citibank to refinance my loan and responded in early XX/XX/2021. They immediately advised I needed to have my home appraised by an approved lender. Within one week, I paid {$700.00} to have that done. The appraiser uploaded the appraisal a week later and its been a nightmare every since. 

Citibank has requested the same documents over and over and changed agents without informing me. I only found out when I had not heard from anyone in over 45 days and I called their XXXX number. I reached out to the new agent via email and voicemail over several weeks. It wasnt until I called the XXXX number again and requested a call back from her manager that SHE called me back, not the manager advising all documents had been received and a decision would be made in 6 weeks. Three weeks later, I get yet ANOTHER request for documents and they needed to be received within 3 business days. I do not have time to gather yet another new stack of papers to send to them again. My locked interest rate is set to expire soon and Im afraid I will miss out on the low rate. 

I have a great credit score ( XXXX ) solid job history ( been on my job for 10 years ) and have owned my home for 18 years. My mortgage holder is CURRENTLY Citibank. 

I cant help but wonder if all the hoops Im being made to jump through is a result of the systemic unfair treatment that XXXX people, like me, have silently had to endure in this country from the banking industry. 

Please help me get this issue resolved. 

Thank you, XXXX XXXX XXXX Loan Number XXXX ( XXXX ) XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: OK

Complaint narrative:
I submitted certified letters to Transuion, XXXX, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Midland Credit Management continues to call and harass me after I have ask them several times to stop calling in violation of 15 USC. 1692 ( d ) 5. 
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: LoanCare, LLC
State: CA

Complaint narrative:
I have never been late with my mortgage payments, and I have provided all 3 credit bureaus proof that I have paid on time, and they still will not fix my late payments.

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