vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was checking my credit report and I noticed multiple unauthorized inquiries and accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I noticed the credit card company for Indigo card was charging me Credit Protection Fees since XX/XX/2022 when I opened the account. I did not sign for this service. 

I spoke to the company and they refused to give my money back for these charges which is a total of {$50.00} which had monthly increased. 

Thank you very much for your help on this. 

It is not correct to pay for a service I did not sign for. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a debit card from Capital One to my home address for a " 360 Checking '' account that I did not open or consent to. 
I called them immediately to have them close the account and block any further use of my name address and any other information with their company, which they did. 
I checked all my credit burau reports and there wasn't anything remarkable or unknown to me on them. 
This seems like Capital one is opening accounts fraudulently to pump up sales quotas again. 
Worth a look into so that these criminal practices can be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
I disputed the accuracy and completeness of this account on XX/XX/2022 and AD ASTRA RECOVERY SERVICES certified and verified that the information being reported is accurate. After AD ASTRA RECOVERY SERVICES verified the information as being reported accurate on XX/XX/2022, I pulled my XXXX consumer report and noticed that the information is still incomplete and inaccurate. It's clear that AD ASTRA RECOVERY SERVICES failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o . There is abundant evidence that AD ASTRA RECOVERY SERVICES was abusive, deceptive, and unfair in their debt collection practice and it's clear that AD ASTRA RECOVERY SERVICES used false and misleading representations, causing me to be oppressed and abused. This is a failed requirement of Regulation F under 12 CFR 1006.18 and 12 CFR 1006.14 and is a violation of 15 USC 1692d and 15 USC 1692e of the Fair Debt Collection Practices Act and AD ASTRA RECOVERY SERVICES is liable under 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I bought a product online and used PayPal 's pay later. The plan total was XXXX with the first payment on XXXX till XXXX of XXXX XXXX payments. Problem is I made my first payment and then XXXX other payments on the first month and the XX/XX/XXXX payment keeps showing up. I called PayPal and asked why the payment is not coming off and they said it comes off the back end so when you make a payment it keeps showing a XX/XX/XXXX due date. I never saw a loan where your payment comes off the end dates instead of the next payment due date. 

XXXX One-time payment XX/XX/XXXX Payment received- {$37.00} One-time payment XX/XX/XXXX Payment received- {$31.00} One-time payment XX/XX/XXXX Payment received- {$31.00} XXXX  XX/XX/XXXX Purchase amount {$340.00} Purchase date XX/XX/XXXX Purchase amount {$340.00} Plan total This updated total includes any additional merchant charges such as shipping and taxes, as well as any refunds or other adjustments. 
{$360.00} Total interest {$17.00} ( XXXX 13.99 % p.a. ) Total amount {$360.00} {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XXXX XXXX, XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$31.00} on XX/XX/XXXX {$15.00} on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have three accounts under collection that is showing up in different credit Bureaus. I have tried to reach out to the company who has hold of these collection accounts by sending 3 rounds of letters to the credit Bureaus, XXXX, XXXX and XXXX to ask the company for debt verification and the original contracts to proof validation of these collections accounts but they have failed to provide the requested documents at all three times. there is miss-reporting of these accounts. Three accounts shows only in XXXX and XXXX but not being reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
XXXX mailed XXXX checks at a post office & they were stolen. The checks were altered & deposited at XXXX different banks. A total of {$16000.00} was taken out if my account. I reported it to my bank on XXXX XXXX and filed a police report. I still haven't been told if & when I might get my money back. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was checking my credit report and I noticed multiple unauthorized inquiries and accounts on my credit 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 2022-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had XXXX dollars in checking &, About XXXX n savings. I have spoke to them with no results. I called the XXXX number as well spoke to several bankers, XXXX. XXXX. XXXX, XXXX. I have a list.they SD they couldn't help me? It is a never ending battle. XXXX SD I would get my $ during income tax? I went in bank for my accounts information & could not get em. I requested my written form numbers and was told they would be mailed to but are long over due?

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 2022-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: VA

Complaint narrative:
As reported previously, I was provided with a loan from American First Finance while getting a new couch at XXXX XXXX. I was briefly given areas to sign online- for the loan -- Originally the couch was for XXXX. I was informed by the merchant to attempt to finish the loan as quickly as possible to avoid any interest on it. However, she never mentioned that I would get charged XXXX XXXX on this current loan. I have paid already XXXX. I was informed that they are charging me an annual percentage rate of 169.7 % - I was never told this -- or never was provided to me by the merchant. I was also informed that I will have to continue to pay every XXXX weeks XXXX until XX/XX/2024 to complete a total of XXXX. The couch was XXXX -- - yet they are making me pay XXXX. When the transaction was completed at the merchants I was never given paperwork or anything regarding the agreement either. She obtain a few signatures from me.. telling me how much it would be bi-weekly and that was about it. When I called to obtain a copy of the agreement -- American First Finance stated they will send it via email in 24 hours -- it took them also 4 days for me to obtain it. I have been wrongfully informed of the hidden charges in this loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Commencing on or about XX/XX/2019, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I've called Transunion credit agency numerous of times to get this matter resolve. There are a lot of inquires on my credit report that does not belong to me. Both XXXX and XXXX and has all the correct information.

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 2022-12-21 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I had a job loss and I still kept sending money that was being applied to the wrong account. Finally they repossessed the car, I paid the balance of {$600.00} to get the car back. 

Then they made a payment arrangement with me after correcting their mistake. They gave me the same account number I had for years and they were not applying my payments to that account, because supposedly it was not my account. They found the money that they were not applying, because my bank had to get involved to clarify the discrepancy that they caused. 

They then made a payment arrangement but have been reporting my payments late and refuse to correct their mistake. 

Please I need your help because this has severely impacted my credit history and score.

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 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I bought my dad a certified pre owned XXXX XXXX XXXX from XXXX XXXX XXXX with XXXX XXXX Miles. Right away the cars computer was telling me to check the charging system. I brought the car to the dealer on XX/XX/XXXX my next day off to have them fix the issue and they told me it was normal and sent me away. After that I inspected the battery to find the terminals where so corroded they had an inch of corrosion all around each terminal. So I brought the vehicle back on XX/XX/XXXX my next available day to have them fix the issues and they refused to fix the car because I had my emotional support animals in the vehicle. Since then I have had to jump start the vehicle every day to get to work. XXXX  XX/XX/XXXX the vehicle completely stopped working and I had to tow it into the dealership. So under the Toyota certified warranty there is a XXXX point inspection that I am sure was never done because I would figure the first thing they would check would be the battery. So I was not given what I promised to pay for. The vehicles obviously a lemon. None of the electronics work correctly. It has a major electrical issue. So I spoke to the sales manager and he told me that they would switch the vehicle out for another I choose around the same price and give me a vehicle free of defects like they originally promised. So I go to the dealer with the tow truck the on floor sales manager shows me the vehicles I can choose from that they have in stock and takes pictures of them and tells me he will call me in the morning to let me know what I need to do to get the new vehicle. Yet instead I get a call from another sales manager I had been speaking with about another issue and he tells me the vehicle is ready for pick up. When less than 24 hours before that I have him on a recorded call telling me he would make this right and switch the car out. I refuse to pay the payments on a vehicle that is a lemon and as my rights as a consumer I reserve my rights to fair and just treatment along with not being lied to and coerced. I was in no way, given what I promised to pay for. I was sold a vehicle free of any major electrical issues and I got a car with a bunch of major electrical issues. This is very wrong of a dealer to do to an elderly man in a time of teases ion and a pandemic. I feel very taken advantage of and wronged. This is not how a consumer should be treated or anyone at that matter. Theyve lied up and down about everything and anything and have told me three different things in the tune to where I can not trust a word they tell me. This is a XXXX XXXX dollar loan for a new Toyota I should not be dealing with any of this. I did agree to pay XXXX XXXX dollars for a lemon. I have contacted the Toyota brand headquarters multiple times over this with no resolution and I am hoping you will help an elderly person being prayed upon by this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In XXXX of 2022, I contacted each of the XXXX agencies and requested that my credit score be changed to XXXX XXXX  XXXX ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all XXXX bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022 and XX/XX/2022 but the bureaus did not remove them nor prove proper validation. 
Sec. 602. States " I have a right to privacy '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States .if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge further. I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union Bank broke contract with me and stopped my access to the credit card I was paying on. I no longer have any access to any of the money I'm paying on the card. Since I no longer have a " product '' to use, I am refusing to pay for what I can't use. 

If the bank that services my mortgage came and threw me out of my house, that same bank should not expect me to continue making mortgage payments on a house I can no longer live in. With a credit card, it's the same difference. If I can't use the card, I'm not making payments. 

In a letter dated XX/XX/2022 sent out by priority mail with confirmation, I demanded that Union Bank cease and desist making any further contact with me regarding the card account ending in XXXX. Since this date, Union Bank representatives have violated the law by making further contact with me by phone and mail several times. 

Union Bank needs to face the fact that they made a big mistake and deal with the consequences of that mistake, and cease sending any letters regarding this case.

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX   increased my interest rate from 10 % to 29 % with no notice whatsoever on my XXXX  Credit Card. My minimum payment increased 200 %. I want my interest rate changed back. This change occurred just between my XXXX billing statement and my XXXX billing statement. I have emailed them multiple times, and called, since I received no notice whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, When the pandemic began we applied to Wells Fargo for a program offered to delay our mortgage payments for three months. They approved and told us that the non paid months would be applied to the final payment of the mortgage. We then did another extension for three more months and then again two more times bringing the total to 12 months. After this 12 month extension we applied and were approved for a loan modification.

We were given a three month trial period at this new rate. All went well we made all our payments and Wells Fargo said we would receive a new loan modification permanently that they would send to us to sign and send back. 
We received the document and sent back via XXXX to Wells Fargos headquarters. 

We constantly kept checking to receive confirmation and the system kept stating that our information was being updated and not ready for us yet. We were concerned as we had not received any response to finalise this new loan. Rather than wait and risk problems we went ahead and paid our mortgage applying the old higher rate. Rather than have these payments post as new payments for the mortgage due, Wells Fargo had them apply to back payments despite the fact that we had been assured. 
I Writing and verbally ( And Fax ) that the Covid extension would be paid at the end of our loan. 
Also let me reiterate we were calling constantly and checking the system and were not getting any information other than the system was upgrading. 

XXXX  the XXXX of XX/XX/2022 I contacted Wells Fargo because my statement showed a note of default and requested payment for all the year at once ( {$100000.00} ). Wells Fargo home preservation department said that in XXXX they had sent a letter requesting more information and because they did not get an answer from me they removed us from the loan modification program they had agreed to. 

We never received the letter, we never received a phone call or email and we were intensely trying to call Wells Fargo and reach them by email but got no information. 
This is XXXX days before XXXX. 
Thank you so much for your help.

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