vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$210.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. Thank you. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. 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 2022-03-19 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I received a letter from Synchrony Bank regarding my XXXX account, they advised that my credit limit was being lowered from {$1300.00} to {$320.00}. I emailed the companys president, XXXX XXXX, to advise of my unblemished payment history with the synchrony account and to see if my credit limit could be restored. 

My personal research revealed that the company will lower your credit limit if your credit score drops, to mitigate risk. I am currently in debt consolidation, and it was imperative that I have the positive reporting items on my credit profile. When Synchrony dropped the credit limit on the sweetwater account, the credit usage went from 20 % to 100 % usage, therefore exacerbating my credit issue. On XX/XX/2022, I received a response from XXXX XXXX, a representative of the company. She advised that they would take a look into whats going on. Approximately two weeks later, I received notification that the synchrony sweetwater account was now closed. In XX/XX/2022, the company reported to the credit bureaus that the card was actually over the credit limit. It was reported that the limit was {$300.00} even though the mailed correspondence said the new limit was {$320.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
The account has been charged off and is over 7 years old and keeps reporting to credit bureaus. I didn't receive a 1099C are being charged off and didn't receive pre and Post car resale. Loan was sold to other party but continues to show original creditor on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX and XXXX of XXXX, Virginia have come for the debt several times. XXXX and XXXX took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from XXXX and XXXX until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by Capital One. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with Capital One has been removed from my credit report. 
My name is XXXX XXXX XXXX XXXX time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
CB INDIGO/GF XXXX XXXX INDIGO - XXXX XXXX  XXXX XXXX CB INDIGO XXXX XXXX I recently verified my latest credit report and I noticed that you have reported late payments on this account. I have previous credit reports from the above-mentioned agencies that reflect my account accurately as paid on time and I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA. 

FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under sub-paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I hold mortgage with USBank for my home. I put down 25 % and my LTV is less than 70 %. Per USBank website https : //www.usbank.com/home-loans/mortgage/first-time-home-buyers/what-is-an-escrow-account.html I asked them to remove or waive my escrow account in writing on XX/XX/XXXX ( ish ) and I received a letter from USBank that my request for waiver is approved but I must pay 1200 in fee. Per their website and ltv rules I think it is illegal for USBank to demand a fee to cancel my escrow. when I have been never late for my payments.

On top USBank is illegally asking for more cushion than required by federal rule. 
I tried to speak to USBank rep XXXX and was told that is the fee and its in my loan closing clause but there is no clause in the paperworks provided to me but even if there was I feel its illegal

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 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/24, my debit card with Wells Fargo was used without my authorization at a XXXX in XXXX, CA. It had been skimmed when I used it earlier that evening at a XXXX in XXXX XXXX, CA, where I reside. I was not in XXXX at the time my card was used, and XXXX is an hour and a half from my home. My card information was used for nine different purchases, totaling {$890.00}. I do not have a history of this kind of behavior. I reported this to Wells Fargo, and they gave me a provisional balance of {$1200.00}, which also included a mistakenly flagged XXXX transfer to my wife, which was reversed out of her account and which I have since repaid to her. 

Today, Wells Fargo reversed the provisional payment as their internal investigation determined that this was not fraud. I'm at a loss here, as I did not authorize these charges, nor was I in XXXX at the time they were made. I don't understand how unauthorized use of my card information does not constitute fraud.

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 2022-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: AR

Complaint narrative:
My mother opened an XXXX XXXX  XXXX XXXX XXXX internet account in my name. Keep in mind at this time I was only about XXXX or XXXX. I eventually had it removed by disputing it and the agency didn't ask any questions because I told them I opened it underage. But whether I say yes or no to opening something that requires you to be 18 or older. It's still illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have recently sent multiple letters on these dates XX/XX/XXXX and XX/XX/XXXX i also called and spoke to each beureaus representives and they all advised me to submit a complaint through the cfpb to have these un-authourized and unverifiable inquirys removed this is a violation of the fdcra since they have 30 days to respond and start a full investigation these inquirys are listed on my credit report by all three of these company 's XXXX  XXXX and transunion ( XXXX ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

( XXXX  ) 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
( TRANSUNION ) 1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

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 2022-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX MAZDA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX VIN # last six XXXX Credit Compliance Department XXXX MAZDA FINANCIAL SERVICESXXXX XXXX This letter is a formal statement notifying the above parties that the accounts under VIN # last six XXXX are disputed. 

The vehicle in question was purchased on or about XX/XX/XXXX, from XXXX XXXX, listed SELLER on contract is XXXX XXXX XXXX, contract is financed by MAZDA FINANCIAL SERVICES, repossessed in the state of CALIFORNIA on or about XX/XX/XXXX. Violating cease and desist instructions sent to MAZDA FINANCIAL SERVICES sent certified mail # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the laws of ( 12 cfr 1026.17, 1026.17 ( a ) ( 1 ) 12 cfr 1026.18 and 16 cfr 433, 16 cfr 433.2 ) and UCC 9.506 as well as State RISA and MVISA status, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if you singularly or severely fail to comply with the my requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 

Furthermore, you are hereby notified that at no point in time and under no circumstance is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Cc XXXX Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have been dealing with Identity theft for a few years and even have fraud alerts on all of my credit reports. I now have new medical bills with a medical facility that I've never been to. They were both report as collections on credit in XX/XX/2021. One is for {$330.00} and the other is for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
I received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really late on this account.

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 2022-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
( 1 ) Navy Federal Credit union has failed to comply with THE TRUTH IN LENDING ACT and has created a deceptive form to undermine the laws put in place to protect consumers. NAVY FEDERAL CREDIT UNION ( NFCU ) failed to disclose to me, XXXX XXXX, a federally protected consumer my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. 
( 2 ) NFCU failed to disclose to me, XXXX XXXX, a federally protected consumer a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. 
( 3 ) NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given to me by NFCU and not extended.

( 4 ) NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning.

( 5 ) NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: GA

Complaint narrative:
After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: FL

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX it all started. I am self employed. Because of pandemic work was very slow. Could not afford payments. Santander would only say make payments or we will take vehicle. I investigated Santander and found they lost a lawsuit where they put people in loans knowing they would eventually fall behind. In XXXX I was trying to get a vehicle. My credit was XXXX or below. No one would finance me. Then this company XXXX XXXX loans accepted me. I was only able to go to car XXXX because no other car dealer would except them. After purchase I was my payments it was thru Santander. I tried to volunteer to return vehicle and they refused. Then they repossed. Number XXXX I believe I paid them more then enough for vehicle with ridiculous interest. Number XXXX still believe I fell under the terms of the lawsuit they lost with the XXXX of Florida in which i stated to them repeatedly and they refused to answer. With the prices of used trucks they gave vehicle away. So I state again they should have never given me a loan back in XXXX. The vehicle should have been turned over to me as the terms of the lawsuit as I understand it. And the money they sold the vehicle for should be returned to me and this removed from my credit.NOTE They told me credit had nothing to do with giving me a loan. Every loan I ever heard of is based on credit.

Company response to consumer: Closed with explanation