vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX, 2020 I was sent a text claiming to be my Bank saying I had fraudulent charges. After replying to the text I received a phone call. The number they used was actually my bank 's fraud line, but not actually them. They asked me about " recent charges ''. They stole my social security number and tried to Zelle  {$1000.00} from my account to another account. That other account used a cell number to collect the money which I still have ( XXXX ). After hanging up the phone when I realized something was wrong I called my bank to report all of this. I then called the credit bureaus to report that my social is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: AZ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 2021-01-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Motor Credit or Toyota Motor Credit Leasing is reporting derogatory information to XXXX, XXXX  and XXXX. The item does not belong to me and I have disputed this item ( s ) on at least two occasions, yet Toyota, XXXX, XXXX  XXXX XXXX have failed to remove and or delete the derogatory information contained in my credit file. In addition, I have disputed the derogatory item ( s ) under The Fair Credit Reporting Act, specifically Section 609 FCRA, which requires Toyota to perform specific acts, including but not limited to producing the time and of the authorization to access my credit file, the actual credit file report and or copies of any and all contracts or agreements to referencing the alleged debt. Although duly noticed on at least two occasions, Toyota, XXXX, XXXX  and XXXX  have failed to comply with The Fair Credit Reporting Act, specifically Section 609 FCRA and the requirements thereof. 

As of the submission of this complaint the derogatory item ( s ) pertaining to Toyota remain on my credit file, despite Toyota, XXXX, XXXX  and XXXX  being noticed to comply with Section 609 FCRA. All of the aforementioned entities remain in collusion to not provide the required information under Section 609 FCRA. In short, Toyota has providing nothing despite my notices a e demands and all are in violation of The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
SYNCB/GAP has incorrect information about my account being reported to the 3 credit bureaus. SYNCB/GAP states I was 30-59 days late in XX/XX/2020 on my account.However, I have never made a payment 30-59 days late.

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 2021-01-14 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
XX/XX/XXXX I emailed Wells Fargo to ask that they work with XXXX to locate the payment from XXXX that XXXX claimed it never received. 
XX/XX/XXXX I called the Wells Fargo 's credit card division and asked that they research the chargeback item from XXXX. 
XX/XX/XXXX I emailed Wells Fargo asking for a status update on the XXXX credit card transaction that XXXX said they did not receive XXXX XXXX I sent an email to Wells Fargo asking for assistance on finding out where the XXXX debit to my credit card went. I requested they direct the payments from XXXX to XXXX XX/XX/XXXX call placed to Wells Fargo credit card research. Wells Fargo XXXX XXXX XXXX offered to escalate the issue for further research. 
XX/XX/XXXX - Received letter dated XX/XX/XXXX from Wells Fargo that outlines the transactions that occurred. The letter did not offer clarity as to where the XX/XX/20 payments went Messages left with Research and Remediations Analyst XXXX XXXX XXXX XXXX X XXXX ) on the following dates went unreturned XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NY

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT(FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c)(B)(iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have tried numerous times to contact about a debt on my credit report. Get the run around with different numbers to call and no one answers or tell me its the wrong department and try a different or previous number. Cant get clear info on debt and wont call back

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 2021-01-14 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: AZ

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Saturday XX/XX/XXXX I found a Pomeranian puppy Ona website XXXX Puppies. I inquired about a puppy XXXX. I received a message that he was available. We came to an agreement and price that included shipping for XXXX. {$900.00}. They sent a financial agreement that my husband signed and I sent the money through XXXX. They shipped the puppy and then needed {$980.00} for a special cage due to COVID. I sent this amount through XXXX ( they reversed the fee ). I notified my bank the next day when the puppy was never delivered as promised. They would not stop payment or reverse it they stated I would have to call Monday to dispute the charge which I did. They denied the dispute. I want the charge reversed I never received the puppy as promised. My kids are heart broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MI

Complaint narrative:
checking my reprort today and i noticed someone used my informtaion to open accounts and call to inquire about stuff .. 

anything reporting as inaccurate on my report should be removed is against my rights someone had brung to my attention known as the fair reporting credit act. 

im trying my best to better myself in life and this is hindering me from doing so.

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 2021-01-14 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: FlexPath Capital, Inc
State: SC

Complaint narrative:
In XX/XX/XXXX, I tried to get Flex Path Capital ( XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX ) to voluntary repossess my car but my account manger would not follow up on my request. In XXXX XXXX, I was about to trade the car but I was unable to due to my credit score with the late payments. XXXX XXXX, I mailed a request in writing to get my car repossessed and left voicemails on XXXX phone. The car was eventually towed by my apartment complex after she also spoke with XXXX who thought I just didnt want to pay for that car and he was advised it was stilling for several weeks without tags. I told the complex manager I was trying to get Flex Path to pick up the vehicle, but they never did and the complex towed it. In XXXX of XXXX, i purchased another vehicle and was advised that the loan with flex path was charged off. I sent another letter on XX/XX/XXXX, letting them know I have received emails from the Recovery department and on my credit report the loan is still open. I havent made a payment since XXXX and the loan is still reporting late payment 150+ days late. In XXXX of XXXX, when I received an email to contact this company about a settlement. The discussion for heated because the {$8400.00} thats on my credit was now over {$13000.00}. The original company ( XXXX ), I got my car from owner was indicted on federal charges for fraudulent schemes in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FIRST NATIONAL BANK OF OMAHA
State: OK

Complaint narrative:
First National Bank of Omaha Visa refused courtesy skip payment during initial months of COVID 19 in XX/XX/2020. My income as an XXXX was interrupted And Unemployment benefits were impacted by fraud until XX/XX/2020. Despite no gainful employ, payment was made from my savings through XX/XX/2020. Many attempts were made with detailed description to FNBO customer support of stopped income, however no assistance was offered, despite my asking. Help was offered from my other major credit card companies - XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. The courtesy to assist per 'skip pay ' came in varying degrees from all minor accounts as well. FNBO is the exception. XX/XX/2020, I submitted a detailed letter of my actions, and checks totaling {$800.00} to settle accounts. Detailed letter and check memo stated cashed checks submitted with company 's endorsement is acknowledgement that the debt has been settled in full and no further action from FNBO will be taken with regards to accounts involved. Checks were posted and paid from my bill pay account XX/XX/2020. Collection calls from FNBO have been constant since XX/XX/2020. I have spoken with customer service and management ( XXXX ) as recent as tonight. Even though record of payment is acknowledged there seems to be an unwillingness to show account closed/paid or to return funds so as to resume monthly payments. I am unable to do both and have made this known to them. I am disappointed this creditor offers no solution, yet instead is insisting more payment with added late fees. Thank you for assisting.

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 2021-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX LoanCare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX charged our escrow account {$430.00} for our homeowner 's insurance premium, but they sent the payment to the wrong company. 

XXXX, XXXX we received a notice of cancellation from our insurance company ( XXXX XXXX ), so we contacted LoanCare to determine why they had not been paid. LoanCare identified the error they made, but they charged our escrow account a second time to send the payment to the correct company. Our escrow account is now short and our payment will increase by nearly {$45.00} on XX/XX/XXXX. 

We received a letter from LoanCare dated XX/XX/XXXX stating that the first company that incorrectly received the insurance payment had mailed the refund check payable to us, and we were instructed to mail it to LoanCare as soon as we received it, and by XX/XX/XXXX we have not received the refund. 

We have no idea who LoanCare sent the first payment to so we don't know who to contact to try to discover where our refund is. Additionally, we are unable to reach a human being at LoanCare to ask them to refund one of the insurance payments while they work on getting the refund back. We've called LoanCare, but the recorded message states that the call volume is too high, so we left our name and number, but no one has returned our call. 

Basically, LoanCare has stolen {$430.00} from our escrow account and refuses to refund our money, and now we will be punished a second time by having to make up the shortage in our escrow account by paying an additional {$45.00} in our mortgage payment.

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 2021-01-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The 1st payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. 2nd payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The XXXX payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. XXXX payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.

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 2021-01-14 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: MI

Complaint narrative:
checking my reprort today and i noticed someone used my informtaion to open accounts and call to inquire about stuff .. 

anything reporting as inaccurate on my report should be removed is against my rights someone had brung to my attention known as the fair reporting credit act. 

im trying my best to better myself in life and this is hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: PA

Complaint narrative:
I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.

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 2021-01-14 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: PA

Complaint narrative:
I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Vehicle was bought on XX/XX/XXXX if you see the records that Honda Finance has payments were not my account they were from XXXX XXXX who had possession of the car. When the dealer called me on XX/XX/XXXX he made it seem they were just using my income for a better interest rate. Me being trustworthy and needing to leave, the salesman just ask me to sign and get on my way and I did. On XX/XX/XXXX I received a call that they were looking for the car for repossession, I asked the investigator to give me a few weeks to find out what was going on. He agreed, A week I was able to get a hold of Ms. XXXX and she told me that the car had been repossessed. A few months later I received a note for the money owed but liked I've explained to Honda that vehicle was not mine. All they have to look is the account the payments were made from

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CA

Complaint narrative:
I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.

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 2021-01-14 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: CA

Complaint narrative:
I am a victim of identity theft and have learn that my personal information was used to open accounts at these companies. i have filed a identity theft report with the federal trade commission to support my request. please see attached 3 page FTC report number XXXX Im also including my Drivers license, Social security card and my current utility bill to support my request. i have sent certified mail requesting valid contracts from each company with so response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, 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. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation