vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-03-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I leased a vehicle commencing in XXXX. I decided to buy the vehicle. Following my request for a payoff balance, on XX/XX/XXXX, I received a letter from XXXX regarding estimated fees and taxes for buying the vehicle outright. Later in XX/XX/XXXX, I sent XXXX a check in the amount of {$45000.00}, the exact amount that XXXX had indicated was required to complete the purchase. Shortly thereafter, XXXX sent me a billing statement of {$1600.00} due on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter stating that my payment of {$45000.00} was returned since Wisconsin Toyota Financial was not able to direct sell to consumers. In the meantime, another bill in the amount of {$1600.00} was sent to me. XXXX basically sat on my payment for 30 days and as a result, Toyota Financial Services reported to the credit bureaus that my payments were delinquent. Since I had already tendered payment for the vehicle to the address I had been given for payments, I was not delinquent. Nonetheless, my credit rating was being improperly decreased. In XXXX and XXXX of XXXX, I received letters from XXXX XXXX regarding receipt and confirmation of two electronic bill payments of {$830.00} each. In XX/XX/XXXX, I sent a letter to XXXX Financial Service regarding their account misinformation. I also sent multiple letters to Transunion regarding the account misinformation. On XX/XX/XXXX, XXXX sent a letter to me indicating that XXXX records are being correctly reported. I hired an attorney in XX/XX/XXXX who wrote a letter to Toyota Financial Services Lease which requested that the account be corrected to show that it was not delinquent in XXXX, payment having been tendered for the full purchase price of the vehicle. On XX/XX/XXXX, XXXX responded that they believe their records were correct, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I was alerted by my credit bureau of a derogatory entry on my XXXX  credit report for XXXX for a XXXX XXXX bill now known as XXXX from XX/XX/XXXX to XX/XX/XXXX. The collections company is the CBE group, I called the company but they could not verify any valuable information of help to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021 I had the sum of XXXX sent to me from the proceeds of the bitcoin i sold from binance platform, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 

I even explained an emergency i had, but they were not concerned. 

There is XXXX transaction which i remembered is a survey platform that helps you earn when you answer questions, they claimed it was fraudulent transfers. 

Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

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 2021-03-16 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: ID Analytics, Inc.
State: MA

Complaint narrative:
Last month, I attempted to open a XXXX XXXX XXXX account through XXXX XXXX. XXXX rejected my credit application and sent me a letter claiming that they were unable to approve it because my SageStream credit report was locked. 

I keep very careful records of all credit reporting agencies that I have locked or frozen. I had never heard of SageStream before receiving the rejection letter from XXXX, and I have no idea why or how my SageStream credit report was locked. 

On XX/XX/XXXX, I sent SageStream a request through their web site to send me a PIN through the mail so that I could unlock my credit report and apply for XXXX XXXX XXXX again. Their web site claimed that I would receive the PIN in the mail within seven days. 

It is now fifteen days later and I still have not received it. 

I just tried calling SageStream through their published phone number, XXXX, and it's just an automated system, none of whose options are applicable to this problem, and there is literally no option to speak to a human being. 

There appears to be no way for me to unlock my SageStream credit report which, again, I have no record of ever having locked and no way for me to reach a human being at SageStream to get this issue resolved. 

All this is unacceptable. How did my credit report get locked without my ever knowing about it? Who is SageStream? Why didn't their process for fixing this problem work? Why is there no way to reach a human being to get help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX XXXX account number ending with XXXX ). 

This had been a reposession that was redeemed. This account has a current pay history since redemption ( I have attached a pay history from XXXX XXXX ). 

XXXX  XXXX is reporting the correct status of " current '' because it is updated on at least XXXX of my other bureaus. But this bureau still has the account listed with a present status of " repossession '' without my current pay history. 

I have disputed this with this bureau and they have left the status the same. This is a violation of my federal rights under 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 2021-03-16 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: TX

Complaint narrative:
Account NameXXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX -- Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed. {$60.00} written off. 
Status UpdatedMar XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- -- Account XXXX XXXX XXXX Account XXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedApr XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX5 StatusPaid, Closed. 
Status UpdatedNov XXXX -- Account XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$500.00} written off. {$500.00} past due as of XX/XX/XXXX. 
Status UpdatedJul XXXX -- -- Account NameXXXX XXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusTransferred, closed. {$800.00} written off. 
Status UpdatedXXXX XXXX -- - Account NameXXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeXXXX XXXX XXXXIndividual Date OpenedXXXX  StatusOpen. {$4500.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX -- Account XXXX, XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXXXXXX StatusCollection account. 
Status UpdatedXXXX XXXXXXXX -- - Account NameXXXX XXXX  Account XXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$950.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX -- Account NameXXXX XXXXXXXX Account XXXX Account TypeCell Phone ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX ******please remove all collection accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ******please remove all inaccuracies above and incorrect data above not mine, FCRA violation

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: VA

Complaint narrative:
This is a follow up to complaint # XXXX on credit card # XXXX issued by US Bank, where it was earlier stated and declared CLOSED. The company has failed to clarify the {$82.00} charge and the unresolved mail delays due to COVID with unreasonable fees and charges of {$300.00}. On several occasions I have tried to call a XXXX who had addressed the letter dated XX/XX/2021 but received only on XX/XX/2021. This person had no stated last name considering this is a formal letter with copy furnished to the Consumer Financial Protection Bureau. As stated the letter came from the company 's XXXX XXXX XXXX with a given telephone # XXXX. The answering Customer Service person DOES NOT KNOW OR RECOGNIZE the " XXXX XXXX XXXX '' under the Office of the President '' and I was bounced off to several sections of the bank, This situation has waisted so much of my time and caused me anxiety, raising my XXXX XXXX to medically unacceptable levels. To end this UNFAIR practices of some credit card companies, I am sending a fair 50 % of the fees to permanently close this account. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have been trying to get my info from equifax for a couple months now. I have mailed them the requested docs, sent them email, waited on hold for hours, etc. They are totally non-cooperative. Truly a horrible company for the consumer to have to work with. I find the other credit reporting companies do not have equifax 's problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
We got a car loan from ally bank and now I have issues with my credit due to late payments and a repossession because of ally .we made our payments sometimes weekly or payment plans but would get letters saying it was going to be repossessed due to non payment and multiple times the payments we made towards our monthly payment was applied to the interest payment so we would be behind on our car payment .we also had my car repossessed without warning .almost ever phone call we made to ally we had to speak to a manager .they were the rudest company er have ever dealt with and they never had any of the previous calls on file that we complained about. Now our credit report has missed payment history due to ally financial

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 2021-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent multiple letters about the inaccurate information reporting on my credit profile after pulling it to review alerts I've received from credit monitoring. I've researched on the company site on how to dispute the information and I followed the process. The inaccurate information has not been removed, I have not been responded to, and I sent letters over XXXXdays ago. I am now demanding that this is made a priority on getting this inaccurate information removed from my credit profile.

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 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc
State: AZ

Complaint narrative:
Email sent to them today ... 

On their website it says " Let us know how were doing. 
Share your feedback : XXXX '' That email bounced so it does not even work. Forwarded it to multiple other emails on their website. 


I called last Tuesday regarding the fact that the county told me that I am up on the waiting list of people to help with mortgage assistance. I have 7 days to get them this form signed. I called and asked how to do it. They said attach it on the contact us page and tell them what I need. I did. 

On XX/XX/XXXX I received an email telling me to call in to pay. So they did not read it or even acklowede it. I called in. I was told they saw the form and would " escalate ''. I called on Friday XX/XX/XXXX. Spoke to multiple people. Got a supervisor. Said he would escalate it and if no one has sent me it by Tuesday ( Today ... day it is Due ) to call again and ask for a manager. 

Nothing today so I called. I got XXXX but it is oveXXXX 2.5 hours later and still no word. I need this filled out today or I lose out on the money. Help me help you. 

I lost my job. I am doing the best I can and getting assistance where needed. I need this form filled out to do so. 

The w-9 is not needed that is for landlord. 

Ticket # XXXX Ticket # XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Side note : XXXX was super nice and helpful but she can not fill out the form. It seems no one can fill out a form.

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 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
After receiving written response from my official complaint # XXXX from PNC Bank, specifically Executive Client Relations, XXXX XXXX, it has now become apparent this bank is totally disingenious and has no intent on returning money due to me. Their response was full of mistruths and falacious information. It showed incompetance on a level I have never seen before, evidenced by XXXX XXXX XXXX telling me last week in a " recorded conversation '' that my next tax payment as per her teams findings ( whom she stated has put a lot of time into evaluating my case mine you ) is due XX/XX/XXXX. I went to the XXXX Dept of Finance myself today XX/XX/XXXX ' and found out in a " documented printout and explanation by Tax Representative '' that my real estate taxes are paid through this quarter and I am not due to XX/XX/XXXX. This is the reason why I am having problems with this bank because they are not using facts which started in XXXX XXXX. I believe this is an example of blantant discrimination. I am hiring an attorney and taking this to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I withdrew {$500.00} from XXXX on XX/XX/2021 at XXXX from Coinbase XXXX The funds were never transferred into my bank account. I've called and sent two emails requesting assistance on this matter. I received two case numbers. The first case # XXXX was issued to me on XX/XX/2021. The second case # XXXX was issued to me on XX/XX/2021.

Company response to consumer: Closed with monetary relief