vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX wireless over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!!

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 2022-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CATHAY BANK
State: TX

Complaint narrative:
I was allegedly part of the XXXX acquisition to Cathay Bank on XX/XX/XXXX. I received no notification or correspondence of this transition, nor gave any consent for my personally identifiable information and funds to be handed over. I can confirm that XXXX had my correct mailing address as I had received something unrelated only a week ago XX/XX/XXXX. I simply logged into XXXX on XX/XX/XXXX and was shown my accounts were suspended and closed without explanation. XXXX did nothing to help me and Cathay Bank is unreachable. They have no chat support, no email, only one phone number XXXX. I've been on hold multiple occasions for several hours only to be hung up on. Voicemails unreturned. I have no access to my money, no account numbers, literally nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: UT

Complaint narrative:
I leased a vehicle with Toyota Financial Services, and everything was going well until recently. I received a notification that my credit score was dinged prompting me to reach out to the service provider today. Upon my discussion with her, I read that my credit monitoring accounts showed that I had not made a payment for the month of XXXX, which was wildly inaccurate. My account had been set to an automatic payment plan to have some peace of mind, or one would hope. 

The vehicle is a XXXX XXXX XXXX  purchased in Nebraska while I was XXXX  at XXXX XXXX. In XXXX of 2021, I received approval to complete my service at XXXX XXXX in Utah. I notified Toyota and the whole process went a little too smooth, as that was when all the issues began. The kind representative assured me that all was taken care of, and to enjoy my time in the new location. Again, automatic payments were supposed to continue on to provide peace of mind, as there is much more to worry important things to worry about such as COVID running rampant, and the military lifestyle. 

Some time passed and I began receiving a ton of phone calls from a random number in California. With my line of work, I can not have a cell phone on me so I generally rely on people being kind enough to at least leave a voicemail when something important is ongoing. I finally was able to catch the number when I was available, and found that it was Toyota Financial calling because a small amount of money was owed. The amount was the tax difference between the two states that the first representative disclosed during the update upon transfer in XXXX. Money has never been an issue, so I agreed to pay it immediately and asked if the issue could be addressed to avoid further issues going forward. Once again, I was given reassurance that all would be taken care of for that peace of mind provided by automatic payments. 

Fast forward a few more months, and here we are again. Toyota Financial was blowing up my phone claiming that I missed payments because the amount being paid was incorrect. So, both representatives that I discussed the issue with prior did not take care of the issue, and this third individual I spoke with informed me that I had to do it myself. With every payment I have in a month, the amounts always vary and the amount is deducted regardless of said amount Again, I can not stress enough the peace of mind that comes with not having to worry about actually miss any payments. 

I fixed the issue, and Toyota reported that I missed XXXX 's payment by 30 days. It is ridiculous, as a steady payment has been deducted happily by the organization. How is it that Toyota Financial is the only company incapable of adjusting the amount being processed to avoid this issue going forward? Either way, I was confident that the manufacturer I loved would take care of me, but instead they take my money and kick me down without any remorse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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:
This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX are amongst the list. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-02-10 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:
While checking my credit report, I notice an account from XXXX XXXX that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than XXXX days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 requested removal of inaccurate personal information to TranUnion credit bureau

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 2022-02-10 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from Kay Jewelers that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Kay Jewelers is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
" Chase '' Bank which started out fine and also holds my car payment which remains in no missed payments and no issues. MY credit card has different rules different stories. All was fine then one day it seems I was owed {$400.00} plus dollars " minimum '' due??!!! I am thinking what was minimum due maybe I did not pay close enough attention. BUT when trying to resolve it did not go well they were and still are relentless in their pursuit of this bill. My problem is they called so much that I stopped answering and I continued to pay them {$50.00} on the credit card faithfully and still am because of the constant calls. So figuring I had to solve this so now I answer their calls and they talk so quietly I can not hear them or say something that doesn't make sense when I ask them to repeat themselves they hang up on me. I guess this is payback for me hanging up on them. They are being childish they call I answer they hang up on me what am I supposed to do play games I don't think so. I will continue to pay {$50.00} until my bill is paid just I have been doing all along. It would be reputable of you to stop the reports you have done your damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MI

Complaint narrative:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made a {$450.00} payment to Synchrony Bank on XXXX for the XXXX payment. The closing date for the previous month was XXXX. They credited my payment to the previous month and want an additional {$240.00}, as if I didn't make my XXXX payment. They will not cooperate with me via phone. I have had this trouble previously with the same company on a different 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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I previously submitted complaint XXXX. Credence Resource Management was attempting to collect a debt for XXXX XXXX XXXX that is not mine. In that complaint, I asked for verification of the debt and a letter of deletion. I never received any such verification or letter of deletion. Credence has started calling me again. They called and I did not answer yesterday, XX/XX/2022. They again called today, XX/XX/2022, asking about a debt from XXXX & XXXX with an address in Arizona. When I talk him the account was not mine and I've never lived in Arizona, he continued to ask other questions. I told him not to call again and only contact me by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received a charge on my credit card Citi card account for {$700.00} from a vendor that Ive purchased from many times. The sale date on this was XX/XX/XXXX and it was posted to the account on XX/XX/XXXX. I spoke with the vendor and they didnt have any documentation or recollection of new charges. I notified citi card services and they told me that it would be resolved in 2-3 weeks. Nothing happened, I have called them once a month approximately since I noticed the charge initially and they keep getting more info from me and telling me it will be credited back to account within 2-3 weeks. This has repeated for 1 year now, I dont believe they have any intent to resolve this issue and since the vendor has not done this charge and hasnt received this money citi is holding it.

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 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
I am a former employer for an alleged debtor. This person has not worked for our company in over a year. Direct Recovery Services ( ( XXXX ) XXXX ) has left multiple messages for me, including one with his name, alleged debt amount, and settlement options.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: AZ

Complaint narrative:
I submitted my first complaint back on XX/XX/21 ( complaint details attached ) because Experian was violating my federally protected rights as a consumer pursuant to the FCRA. I never gave Experian written consent to furnish two ( 2 ) inquiries on my credit report and file. I sent them an Affidavit of Truth stating this along with an invoice to compensate me for the violations. ( all attached ) Their response to this complaint was " ... Regarding the inquiries, by federal law, your personal credit report must list all organizations that have requested your credit history. In accordance with the Fair Credit Reporting Act, entities who have certified to Experian that they have a permissible purpose may inquire about credit information. '' ( complaint details attached ) This was not an adequate response to an Affidavit of Truth. In accordance to the laws of Commerce, an un-rebutted affidavit stands as Truth. After they did not comply to this complaint, I filed another complaint stating just this. Experian responded "... According to our records, the disputed information does not appear on your current Experian credit report. '' I checked my credit repot and file and they were deleted. These inquiries were previously on my credit report and file. The exhibit in the affidavit sent shows proof of them. I write this third complaint in hopes that the CFPB will hold Experian accountable to compensate me for their violations against me pursuant to the FCRA.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
They keep declining me for the Apple Card for the same reason every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 I tried to make a deposit on an ATM machine, and the machine stopped working without returning me the money neither depositing on the account. 
The machine just printed a receipt saying the ATM stopped working, I called Citibank to open a case and the told me I have to wait 5-10 business days to credit me the money on the account. It wasnt nu fault what happened and Ive been trying to call customer service to accelerate the process. Today I called and they said that they investigated and there wasnt any discrepancies on the ATM machines. So now I have to or lose my money or open a new case and wait 10 more business days. The amount was for {$700.00}. I feel frustrated and discriminated, my rights are been violatef

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief