vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
In XXXX I took my daughter to XXXX 's and at check out was offered a store card. I was approved and the balance of was charged to my account. 2 weeks later, I had not received anything from them, no card, no statement, so I called, and they said they had the correct address and I should receive the card and statement within a few days. 2 weeks later, still nothing. I call back and I tell the girl I have to pay the balance because I don't want it hitting my credit and she is able to pull up the account with my ss # and let me make a payment. That was in XX/XX/XXXX. Today I get a phone call saying I owe {$65.00} dollars. I call and they tell me it's late fees because when I paid the bill I paid {$0.00} cents less than what I owned. I still haven't received a statement or a card from them, so I asked them to close the account and remove the fees because why would I not pay XXXX cents knowing it would cost me so much more and a bad hit on my credit. I have many credit cards. I always pay them on time. I even have several other accounts with comenity bank which is who services XXXX XXXX XXXXXXXX XXXX store cards. They can look at my history and easily see that this is not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12 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: FL

Complaint narrative:
I sent Transunion a notice that they are furnishing inaccurate and incorrect information regarding charged off accounts on my consumer report. 

Initially I contacted Transunion to verify the validity of the charged off accounts, I then read a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. To my understanding, income does not get reported on the consumer report and that makes the charged off accounts inaccurate. 

Title 15 USC 1681s-2 says that those financial institutions are a furnisher of information to a consumer reporting agency.

Pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Those companies are in fact PROHIBITED by law to furnish inaccurate information, but Transunion allowed them to do just that and caused me financial hardship. 

Furthermore, pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

Both the companies and Transunion have been put on notice and they continue to be in violation of the FCRA by continuing to report the charged off accounts to my consumer report. 

Please see the attached letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
On XX/XX/2022 I sent a letter stating that GM Financial furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I also, sent a notice to cease and desist all communication conveying of information regarding a debt directly or indirectly to any person through any medium. 
Re : Notice to Cease and Desist Account Number : XXXX Dear GM FINANCIAL, To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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 — Problem with personal statement of dispute
Company: CarMax, Inc.
State: TN

Complaint narrative:
In XXXX I purchased my third car from Carmax on XX/XX/2021. I used the carmax financing and set up my automatic payments as soon as I could to avoid any late penalties and because I make it a point to always set up auto pay on all of my bills and payments. I have never been late or missed any payments on any bills and I pride myself on this. Im attaching the email confirming that I did sign up for autopay on XXXX XX/XX/2021. My first payment was due on XX/XX/XXXX but I wanted to make sure it was all set up and good to go ahead of time. 

The confirmation I received said I was enrolled. If there was a problem with the routing or account number I should not have received an email saying I was enrolled. That is a system error and it should not have accepted my routing and account number if something was wrong with it. 


We bought the van to travel to California for the months of XXXX and XXXX. While there, I got XXXX and suffered a XXXX. I was not getting my mail from XXXX but on XX/XX/XXXX I got an email notification that the payment didnt process so I called carmax and talked to someone. If you listen back to the conversation you can hear me asking if anything was wrong and if the payment would go through. They said they couldnt tell exactly but it should be fine. Again, this is a system error, they should have said no it is not processing, we will take your payment now by phone so it will not be considered late and you need to enroll again. 

There was much going on at this time and I left it at that. Sometime in mid XXXX a friend of mine sent me my mail from XXXX and it included a notice saying my account was overdue and it would be reported to the credit bureaus. I called carmax immediately and they told me they would forward on my situation, because it was their mistake, how they could see I tried to enroll in auto payments on XX/XX/XXXX but must have entered the numbers in wrong or some small glitch like that. 

I then re-enrolled in the auto payments and it went through. They said the error was called unable to locate and should not be a problem. They even waived a late fee because they knew it was an honest mistake. 

However I was grieved when I got a letter in the mail saying carmax auto financing would not reverse its decision to report this as a late payment to the credit bureaus. 

Please consider all that I am providing as evidence that my absolute intention was to make my payments in time, I enrolled in auto payments ahead of time just to be safe, I called to follow up when I was notified the first payment was not going through, the person on the phone assured me it should be fine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: Total Card, Inc.
State: OH

Complaint narrative:
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
In mid-March I rolled over an old loan into a new loan. I originally asked for only {$1000.00} but the lender I spoke to, or an employee of the lender let me know that in the state of California the smallest personal loan you can take out is {$3000.00}. I'm fairly decent at making large payments or multiple payments monthly to any loans/credit cards I've had. I'm military and was unaware that I'm not supposed to roll over an old loan into a new loan. The loan terms were 54 payments at 35.99 % APR with {$5700.00} as the finance charge ( amount the credit was costing me ). Amount actual financed was {$5500.00}. {$560.00} was rolled into the loan with a {$250.00} prepaid finance charge. 

After a few payments were made I noticed that my principal wasn't going down. In XXXX I went to a XXXX  financial specialist to discuss why I was struggling with paying off the loan. By the end of XXXX I had made the following payments : XXXX XXXX {$300.00} towards the previous loan ( not going to total this in further down ) XXXX XXXX {$560.00} this payment came from the new personal loan I had taken out So in March- I had only made one payment from my checking account towards the loan. Had I not taken the second loan out I'd owe {$560.00} going into XXXX. The new loan rolled the old loan into it. 
XXXX XXXX returned check- this will give me a {$15.00} late fee which is fair XXXX XXXX {$300.00} ( only {$45.00} went towards the principal ) XXXX XXXX {$300.00} ( {$240.00} went towards the principal ) XXXX XXXX {$200.00} ( {$190.00} went towards the principal ) XXXX XXXX {$200.00} ( {$120.00} went towards the principal ) XXXX XXXX {$200.00} ( {$130.00} went towards the principal ) At this point I've paid {$1200.00} towards the loan in a span of 3 months. 20 % of the loan amount. Yet, only {$740.00} 13 % had gone towards the principal. I understand some of the payment portion should go towards the interest. Look at the inconsistency of those payments being sent to principal vs interest. 

Once I saw the inconsistency and the financial specialist looked over the loan they noticed some red flags for Military Lending Act terms. I was referred to a XXXX  representative. He reviewed the loan contract. He noticed immediately that there are two different rates on the contract. I have an APR of 35.99 % and a contract rate of 33.39 % on the second page, and the old loan being rolled into the new loan. 

In addition to the above, let 's rewind back to the {$250.00} prepaid charge I mentioned earlier. The loan meets the XXXX interest rate under the XXXX XXXX XXXX of 35.99 %. When you add that {$250.00} charge in, it's no longer XXXX, it's 37.2 %. 

The XXXX representative reached out to the lender 's remote location as well as their corporate location on XX/XX/XXXX. It is XX/XX/XXXX and there has been no response from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I had accounts between XXXX with TD bank and all my accounts close and all of the accounts had fees access to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
My original complaint with CFPB # XXXX. My mortgage company has had a check for {$10000.00} for over a year. The money is for my roof to be repaired on my primary residence. They contacted me on XX/XX/24 right after my first complaint was filed with CFPB. My contractor and I responded the same day with the required paperwork. Since then not only has there been no response but my online files are no longer there. The same link that my files are supposed to be they have an email option. I tried to email and it stops you on the tracking #. The only option that comes up is the word " select '' so it's impossible for anyone to send an email. 
Every time it rains my roof leaks. They have had my money to fix it over a year. I have emailed, faxed and uploaded the required documents several times with no success. I'm including screen shots of all the info i just gave you. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX of XXXX, I applied for a mortgage forbedance because of covid with Suntrust, which was the bank who on the time. When the forbedance period ended in XX/XX/XXXX, they sent me a letter saying that my options were to pay a lump sum for the amount that was open during forbedance, or to do a loan modification. I contacted them and communicated that I wanted to do a loan modification. They made me sign some documents and send it back to them. I did as instructed. I confirmed later on they had received the docment signed, and they told that I had to wait until they send the modification paperwork, and that it could take sometime due to the number of modifciations they were doing, and that I did not need to make any payments while I was waiting, but I could do if I wanted to. I never heard anything from them since XXXX weeks ago, when they sent me a leter saying that I was in default, and that they were going to foreclosure my XXXX XXXX I contacted them and explained. 
They knowledge that they failed in sending me the paperwork and told me to fill out a mortgage assistance application. They said they were going to send the application by mail. I never got any application, but I found the document online, filled it out and sent it to them. When a called again last week to follow-up, the home preservationa ssiatnce told me that the application was a mistake, that I did not have to do that, and that indeed all they had to do was to send me the loan modification paperwork, and that I was not on default and the amount owned showing on the statement was wrong. During the weekend, I received a notification that they reported the loan as in default on credit report. It dropped my credit score from XXXX to XXXX. It is also showing the loan balance an amount of $ XXXX, which is more than the original loan. 
When I called them back today to inquire about that, they started to say that it was my fault for not following-up, and that there was nothing they can do about my credit report. At this point, I am extremely concerned about this situation. Each time I call, they say something different. When I was dealing with Sun Trust, I never had any problems with them., Now that they have been adquired by Truist XXXX I feel like they are completely disorganized, and because of that, I am being penalized for something that is not my fault. The foubedance was my right, and I did everything as instructed. I need please to report them, and I need assistance with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Background : On XX/XX/XXXX, inquired about a short term rental in XXXX XXXX from XX/XX/2022 - XX/XX/XXXX XXXX 'realtor ' who called himself, XXXX XXXX, emailed me back immediately with a very detailed overview of the property and the terms ( I can forward you that email if that is helpful! ). He then reached out to me via text message and provided me with information about the apartment and encouraged me to reserve the apartment soon, because it is a popular listing. Once I was ready to reserve the apartment, he sent over an informal " Rental Agreement '' that I signed and sent back to him, and then paid him the deposit over Zelle and XXXX so that I could lock down the rental unit. XXXX told me that I could cancel at any time and get a full refund, so I figured, why not reserve the unit. I ended up needing to cancel the reservation. XXXX confirmed that the payment would come soon, and eventually stopped responding altogether. I called the XXXX XXXX that he was impersonating, and he informed me that there was no unit at that location and that it was a scam. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Breakdown of the deposit : Rent was listed as {$1500.00} per month, but ended up agreeing to {$1500.00}. Total deposit was {$1500.00} ( one month rent ) + {$1000.00} + {$250.00} cleaning fee = {$2700.00} Zelle only lets you transfer a total of {$2500.00} per week, so I paid him in two {$1000.00} installments over Zelle, and {$750.00} over XXXX, to total {$2700.00} deposit. 
Zelle Payment ( {$2000.00} ) was sent to " XXXX XXXX '' at XXXX XXXX Payment ( {$750.00} ) was sent to XXXX XXXX  Contact Info : Email Address : XXXX Cell Phone Number : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation