vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: NJ

Complaint narrative:
On XX/XX/XXXX I made a purchase online from XXXX. During the checkout process, XXXX offered a XXXX XXXX option of 6 easy payments of {$49.00}. At no point during the checkout process, did XXXX notify me that a credit report would be pulled in order to use XXXX XXXX. In fact I never entered a Social Security number which is usually required to apply for credit. There was no notification, no pop-up box saying selecting value pay would authorize XXXX XXXX To pull a credit report. The item was {$300.00}, I have {$21000.00} in available credit and did not need to use XXXX XXXX. It gave me the option, and there was no disclaimer about how it worked. I made the purchase, chose XXXX XXXX and checked out. The very next day, I received a notification that there was a new inquiry on my credit report. I looked and to my shock, it was from XXXX XXXX. I immediately reached out to their credit department, and spoke with a representative there. She told me that Equifax allows them to only submit Name and Address to pull credit reports, and this was how they were able to obtain my credit report. How is this even allowed. I thought requesting credit required a social security number. Anytime in the past when I have applied, that is the one piece if information that I must supply. Needless to say, I told her that this was deceptive business practices and to have the inquiry removed. She told me they could not do that, and I would need to reach out to Equifax directly. So I went online to Equifax and disputed the inquiry on my credit report. I received an email back that they validated the information as correct and that I authorized XXXX  XXXX  to pull a credit report without my social security number. I believe these are false and deceptive business practices and I need this to be investigated by the CFPB. No one should be able to obtain a credit report without my express consent or without me providing my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I was forced into bankruptcy in 2017 due to my daughters serious XXXX  XXXX. XXXX XXXX  refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted XXXX XXXX  numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at XXXX XXXX  will discuss or address my issue.

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 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my XXXX  and TransUnion reports. There is a hard inquiry from a company called XXXX XXXX. ' This company has no contact info for me to investigate the inquiry. I have not applied for any credit card or loans recently or within the last two years. I believe this inquiry is fraudulent. The only application I submitted to any company was a XXXX XXXX mortgage application, however, I did not request to have any credit checks, yet. I never spoke to anyone from the company. I only ask to speak to a mortgage loan officer to discuss possible loans.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have contacted Discover Card throughout the entirety of the covid pandemic asking for help and attempting to keep my account with them current. Unfortunately, Discover  has been of no help and instead has charged me for late fees and increased the interest on my account while I deal with the financial and health stresses of Covid. It came to a head recently when they told me that they were federally regulated to not offer help to a customer more than twice during a 5 year period. I called the CFPB who told me that was not true. I went back to Discover and asked them why they would lie to me rather than attempt to assist a customer trying to stay afloat and they admitted that they were not telling the truth but offered no assistance. I simply don't now know where to go except the CFPB. They are threatening to raise my minimum payment. I repeat, RAISE my payment when I was asking them for a reduction in interest and for them to waive the early {$200.00} in late payment fees. I am behind due to Covid. I freely admit that I wish I could pay this bill in full and had never gotten behind. But my husband and I are devastated financially due to covid and fell behind even further while caring for loved ones during the pandemic. I can not understand why a company would resort to mendacity rather than caring at a time like this. I have all of this documented and now must take the step of hoping the CFPB can " make '' Discover not lie and do the decent thing moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
On XX/XX/XXXX I Sent A Payment Through Moneygram To Pay For My Boyfriends License Restoration Fees to the DMV. I Sent {$120.00} Plus A {$6.00} Processing Fee. After I sent The payment I Realized I May Have Put In The Wrong " Customer ID Number '' Which Was His Driver License/ State ID Number. 

So I Called To Cancel, Literally 5 Minutes After I realized It. They Imformed Me They Would Not Cancel It or Change The Id Number To The Correct Number. So Thinking That Was Not Ok I Immediately Filed A Dispute With My Bank. 

Since He Needed This Done Immediately, After I Filed The Dispute I Waited Until XXXX XXXX. and Paid For The Services Again With The Correct Information.At this point he realized that they closed his moneygram account and wasnt able to login anymore. So im assuming they blocked his account because i filed a claim with the bank. ( I Have Screenshots Of Both Online Confirmations from moneygram And Reference Numbers Showing I Paid Them. Twice! 

Once On XXXX XXXX 2020 And Once On XXXX XXXX. 2020 I understand their policy about incorrect information for the " first '' transaction. But I have not been refunded for the second transaction and when my boyfriend calls to the dmv to see if they recieved a payment today XXXX XXXX XXXX ) the dmv tells him they never recieved anything from money gram even though all the information was correct the second time i paid them the {$120.00} ... My bank has denied both claims. saying that I dont have enough evidence and i even recorded him today on the phone with the dmv through a voice recording app. 

Is there anyway i can get at least the second payment {$120.00} either refunded to me or sent to the dmv like it was supposed to be in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Goldman Sachs is not consistently reporting my credit card balance every 30 days per FTC laws. I was advised it would be updated ever month, at the end of the month. It was not updated in XX/XX/XXXX. It was last updated XX/XX/XXXX. As of XX/XX/XXXX it still shows the wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
On i believe XX/XX/2021 I was at XXXX XXXX a car as my vehicle was stolen. After 2 hours in the rental agency I handed the customer service rep my chime debit card to reserve the vehicle. It was declined. How could that be as my check was direct deposited into my chime checking the night before. So, I called my son and he came to the agency to use his chime debit card only to find out it too was declined. No way we thought. Had to call my husband to my rescue to start the nearly 3 hour process all over again THE NEXT DAY. Phoned Chime, they have my number blocked stating my account was closed and they won't speak to me. Only communicate thru email!! I emailed many times wirh zero response. I have nearly {$1000.00} just deposited on this account! As well auto deducts for my rent, storage unit, car insurance, wifi and several other ACH bills. My son tried to login t on his account and was blocked by chime stating his account is suspended. 2.5 weeks later STILL no access to our accounts and every dollar we own. I am faced with eviction now. I'm being charged nearly {$1500.00} in latest fees from all creditors. My son sent chime all documents they requested to verify identity and STILL TODAY no access to his account or monies. CHIME gave us zero notice our accounts would be closed and frozen. I've called them 8 times only to be rudely put on hold for 1.5 hours at one point and hung up on by a customer rep!!! I am faced with eviction because of these crooks and late fees I can not afford. I can not even put gasoline in my car as chime holds all of my money. We need help and quickly please. Chime should be accountable for all of our late fees and then some. I want them held accountable! We want OUR MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am an Ally Bank customer ( digital bank ). Since there are no physical locations, and I needed a cashier 's check to make my first payment for an apartment, I ordered a cashier 's check over the phone. When I began the process, the agent confirmed my account, including my address in Colorado. I have lived at this address for over 6 months, and I updated my address with Ally Bank at that time. Previously, I resided in XXXX, OK. After confirming my Colorado address, the agent finished the process of sending me the cashier 's check made out to the apartment complex, and I paid for expedited shipping because my move-in date was about 5 days away. The day before my move-in, when I had still not received my check, I called Ally and they gave me the tracking number. This revealed that they sent the check to XXXX, OK. The agents I spoke to that day confirmed that this was entirely their error. The address on file was the correct Colorado address ; however, their cashier check system is a separate system that was not updated on their end, and somehow even though I confirmed my address with the agent, she must have still used the Oklahoma address later on in the phone call without ever notifying me of the same. Ally is refusing to refund the money and is requiring a notarized affidavit from the payee who is not willing to do so. The loss of this check is 100 % Ally Bank 's negligence and fault as they have confirmed, yet the refuse to refund my account with the {$2600.00} they withdrew for the lost check.

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 2021-02-08 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped XXXX points.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I receive a letter from Toyota Financial Services indicating my request for Extension on the unaffordable monthly payments of {$480.00} until XX/XX/XXXX as I was trying to trade my XXXX XXXX XXXX at the XXXX XXXX in XXXX California unfortunately Toyota Administration doesn't want to Acommondate me on my XXXX XXXX Act under Department of Justice. 

Now Toyota Financial Services Administration are Retaliating against me as I filed many Federal CFPB complaints against them and wants to Repo my vehicle and ruin my credit and credit scores by reporting to XXXX, XXXX and XXXX. 

I respectfully seeking a affordable payment of around {$300.00} a month no higher than this as I can only afford {$300.00} to {$330.00} monthly payments. 
XXXX XXXX XXXX is at {$14000.00} and XXXX, California will not pay Toyota Financial Services {$23000.00} as car value on XXXX XXXX XXXX has decreased. 

Also, I didn't authorize or gave Consent to Toyota Financial Services to pull my credit for a Retail Extension I was provide with a Extension on XXXX XXXX according to evidence on various filed complaints against Toyota Financial Services Administration. 
CFPB filed complaint on XXXX XXXX and back around XXXX XXXX with CFPB Complaints Case # XXXX ... ( File case # XXXX on XXXX XXXX CFPB case # XXXX I am been Retaliated and Discriminated by Toyota Administration because of my National Origin XXXX XXXX  American and my XXXX Status. 
I am respectfully XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran. 

Toyota Administration and XXXX are in violations of Federal and State Laws.and violations of my XXXX XXXX  Act under Department of Justice.

Toyota doesn't have the right to pull my credit for a payment Extension and XXXX  allowed them to do it and I didn't sign no documents for a credit pull. 

Toyota Administration denied Extension. 

Does Toyota Administration has a business partnership with XXXX, XXXX  and XXXX? 
I am respectfully requesting a Federal Investigations against Toyota Administration and XXXX XXXXmmediately. 
I will send a email to US Senator XXXX XXXX  on this Retaliation and Discrimination of Toyota Administration and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MI

Complaint narrative:
My credit score increased on XX/XX/2021 by 4 points.Three days later my credit score decreased by 7 points.On XX/XX/2021, my credit score again decreased by 4 points.When I go online to check why my score decreased, your experian website does not give me any information why score decreased.The only thing experian does, it suggest to use credit boost.I find this very suspicious.Its like experian is lowering my credit score purposely to use credit boost.Recently, XXXX credit card was deleted from all my credit reports after seeking a attorney.My credit score increased with XXXX  and XXXX  after XXXX trade line was deleted from the report but with Experian, my credit score decreased when XXXX tradeline was deleted.

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 2021-02-08 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:
On XX/XX/XXXX, I had the chance to pull my credit report and review it because I always get alerts via email stating that I have derogatory information on my credit report. I have been a victim of identity theft and I certified that these accounts are not related to any transaction done by myself. I then reach out to the credit bureaus and they explain that because it's identity theft, I would need an FTC report with the listed fraudulent accounts. This has been affecting my credit for some time now. It wasn't until I was getting a house for my family that I noticed these accounts. Also, I am asking that this be removed within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2020 I was victim of identity theft with my car being vandalized by unknown individuals who broke the passenger 's seat window ( the one at the back of driver 's seat ) and stole my wallet and other valuable items ( including a XXXX XXXX ). The incident happened at the parking lot of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA XXXX US ) when I was on duty inside the XXXX 's facility between the time I parked the car XXXXXXXX XXXX and my break time XXXX ' XXXX  when I came out of the building. The stollen wallet had everything about me in it ( driver 's licence, XXXX XXXX, SSN card, credit/debit cards, some bank accounts membership card as well as other information XXXX medical insurance card, etc. ). 

While filling out a police incident report with XXXX 's management staff, a couple of hours following the incident, they thieves started making both online and in-store purchases using mostly credit cards. They went up to compromise two of my bank accounts I do have, the one with the Bank of America ( personal account ) and the joint account with XXXX XXXX. They initiated fraudulent funds depots into my Bank of America account and a wired money transfert to my XXXX XXXX joint account ( fortunately this transaction failed ) as XXXX XXXX was able to block it. 

However, as per the attachments the fraudulent depots did into my Bank Of America personal account went through, the bank delayed to stop them in timely manner. This caused my account to run into a negative balance of about - {$3500.00} that the bank want me pay until now while I was supposed to have nearly $ XXXX if the fraudulent depots did not occur. 

Actually, while closing the affected account the bank allowed me to open up a new account but it has not refunded what was supposed to reflect into the old account ( $ XXXX ) prior the fraudulent depots of {$8700.00} ( see attachments ). Their investigations are just taking a too long!!! I have already explained them multiple times that I was not responsible of what happened, that scammers are behind those inconveniences. 

Therefore, I urge the Bank of America to acknowledge my right and refund me my money as well as remove any accountability on me from everything did by the scammers/thieves. I currently struggle from identity recovery so I don't wish to run into additional pressure.

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