vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
To All Concerned, I have been mistreated as a consumer in regard to the reporting of my car loan. I have been with Lexus Financial Services for years and have never missed a payment and I have never been late. In XXXX of 2022, I was recommended by a Lexus Financial Services representative to try their automated payments program, which would allow the payments to be extracted from my Business checking account via ACH. The initial payment for Toyotas automated payment program was done successfully on XXXX. 

This led me to believe that All was set. Yet, Unbeknownst to me, the payments thereafter were not collected, seemingly due to systems or tech error on Lexus Financial Service 's end. Lexus Financial Services never informed me that I was late in making any payments, nor that payments were not being automatically debited from my account. As soon as I discovered this on my own, I made the payments immediately. However, we were already 2 payments in, resulting in Lexus Financial Services reporting me as late on my credit for their error. 

I have pleaded with this company to remove the lates as they were apparently the result of a tech or systems issue or their administrative error in not properly handling my enrollment in their automatic payments program. 

I have Never been late on my car note and I have certainly been an excellent customer at Lexus Financial Services. But this has caused me and my family great stress and financial hardship to be unjustly reported as late on our credit as a result of their own error. 

Please help us, correct this horrible wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have contacted Great Lakes twice to request a refund per the COVID refund guidelines for my Graduate Plus loans and was denied both times. The Student Aid website specifies the loan should be eligible for refund : " Refund requests can only be made by you and refunded to you, even if someone else made a payment on your loan. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I received a text message that appeared to be from my bank telling me there was a fraudulent charge on my debit card. Upon texting back NO that I did not make that charge, I received a call from the exact same number as the US Bank fraud department number. The lady on the phone said that somebody was trying to steal {$3500.00} from my account through XXXX. She said the person was named XXXX XXXX. The lady had me link my account to XXXX and told me I needed go hurry up and transfer this money. She had me transfer this money to said XXXX in two payments, one of {$2000.00} and one of {$1500.00}. She also requested my debit card number. Shortly after requesting that information she stole {$1200.00} off of my card. Knowing something was weird, I called the bank fraud department number afterwards and was informed that I was scammed. I filed a claim for the stolen money from XXXX as well as the {$1200.00} dollars stolen via XXXX pay from my debit card. The bank was able to reverse the {$1200.00} charge. However, a little over a week later I received a letter in the mail stating that my claims for the {$2000.00} and {$1500.00} XXXX transfers were declined because I initiated these transfers. I only followed through with the transfers because I believed I was speaking to the US Bank fraud department. Immediately after speaking with the real fraud department I filed a police report at my local police station. Last time I spoke with them they were still working on getting information from XXXX as to who this person I transfered this money was and where the money went.

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 2022-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent my documents and nothing was resolved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: VA

Complaint narrative:
I sent my documents and nothing was resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As I went over my credit report I seen errors with addresses, multiple variations of my name, and inquiries that needed correction and I called all 3 bureaus to see about fixing and updating my report. I found out a letter was needed so I wrote my letter a month ago and there haven't been any changes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Everytime i try to access my credit report i get an error message saying they are experiencing technical difficulties. I am not able to view my report or dispute anything. I believe they are purposely blocking me from doing so. I called and got transfered XXXX times and everyone acted like they did not know what was going on.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX XXXX  ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX comenity store credit card : I purchased a XXXX XXXX in XXXX. They billed me for XXXX @ {$130.00} and another exact charge is pending on my account accruing interest. I have emailed them and they either do not answer or they do and direct me to call customer service, I do and they tell me it will be taken care of and it is still there. I asked to speak with a manager and they told me it would do no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: VA

Complaint narrative:
Hello, Name : XXXX XXXX Loan # XXXX - Servicer : Cross Country Mortgage - COVID Forbearance Request I need assistance with confirming why my servicer does not allot me the ability to receive a COVID forbearance as my family and I are currently impacted by COVID. Per FHA guidelines, forbearances are still available until end of declaration which has still not occurred. 

My husband lost his job due to COVID and we are currently on a reduced income. This will be a temporary situation as he is actively looking for employment but I am seeking the COVID forbearance to assist with having to make reduced or no payments for a short period. I contacted my servicer today to advise and was told I could not receive the assistance and what will happen if I am on it regarding having to pay a lump sum or other possible options. I also contacted FHA and was advised I would have to reach out to my servicer though I have already. I feel like I am hitting a roadblock. I am aware of other servicers offering the same assistance for FHA loans and am confused why I can not receive it. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: IL

Complaint narrative:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: DigniFi
State: MD

Complaint narrative:
On XX/XX/22 about XXXX DigniFi contacted me about my past due account. I was advised that the call was an attempt to collect a debt and that the call was being recorded. I advised that I did not want the called recored, when I was told that the call had to be recorded I explained that Maryland is a XXXX party consent state where both parties have to agree to the call recording. I re-affirmed that I did not want the call recorded. Dignify continued to record the call after I told them numerous times not to record the call. I asked to be connected to someone who could talk to me without recording the call and was told that its not possible. Again by state law Maryland is on of 11 states that requires both parties to consent to recording and again I clearly advised that I did not consent to recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I'm dealing with the deaths of my aunt and my grandmother who both died at the residence XXXX weeks of each other. Both were the main financiers of the mortgage. Although I'm the next responsible adult or the last one living, I fell behind dealing with burying both, in addition to pay off their debts in order to live at the home. I never even heard of who to pay or when or how much. Once I tried to make an attempt to pay what was owed when the mortgage fell behind I called and was told they couldn't accept my payment unless it was in full. I promised that I could pay more the additional weeks to get me even but was denied. As months passed, I tried to reach Rushmore ( previously XXXX ) about information regarding my issues and was told multiple time to contact their lawyer. I did this XXXX and even left voicemail and got no reply from anyone. Emails didn't work also. Now tomorrow I have a court date and I'm afraid of what will happen because I'm honestly at my wits end of it all. I can't find a new place to live until the " foreclosure " is lifted off my credit. My stuff is all in storage. I honestly would like to come to a mutual resolution so both parties can move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2022, I found a TDBANKUSA/TARGET fraudulent credit card with a balance of {$7700.00} on my credit karma. I placed an online dispute as I am a victim of identity fraud and never applied/ opened for one. According to my XXXX, this credit card was opened on XX/XX/2022. I was never sent the letter with the physical card, so was not aware of this fraudulent activity until the credit card was used/ shown updated with the {$7700.00} balance on XX/XX/2022. 

On XX/XX/2022, I called Target Fraud Department in the morning to report this credit card as fraudulent. Their representative XXXX informed me they reviewed my dispute claim and denied it. According to XXXX, the company reviewed my claim and I should've received a letter regarding this update as the company sent out a letter on the XXXX of XXXX. I told her I never received one in the mail and she reassured me the letter should be arriving soon. I asked for clarification - asking if the denied dispute claim meant I was liable for this fraudulent account. XXXX replied " yes, you are liable. '' I further inquired what steps were taken to come to this conclusion for them to deny the claim. And restated that I wasn't the one who opened the account. She said I will know more about that when I receive the letter. She suggested I could submit an appeal and gave me the address. 

Later on that day on the XXXX, I went to my local police office to file an Identity Theft police report along with an FTC report in regards to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a victim of fraud because someone hacked my XXXX XXXX  account and over the course of 4 months sent out over {$3100.00} out of my Wells Fargo checking account. I didnt notice because it was a bunch of small charges ranging from {$3.00} to {$200.00} but the majority being {$20.00}. Wells Fargo denied my claim because they said I waited too long to file my claim. I didnt notice it until XX/XX/XXXX and I filed that day. I filed claims with the FTC, added a fraud report to my XXXX and when I downloaded XXXX I found out I had over XXXX recent inquiries. I just want my money back and I think thats fair. XXXX XXXX has no one to call or complain to and it came out of my Wells Fargo account so I should be protected.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. The items found within my credit report that I listed on the following pages 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 is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is capital one today on XX/XX/22 i talked to capital one on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U. S. C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : no credit reporting agency may make any consumer report any of the following items of information Any other adverse item of of information, other than records of convictions of crimes which antedated the report by more than XXXX  years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: NV

Complaint narrative:
On XX/XX/XXXX my wells fargo credit card was charged with XXXX dollars from a cash advance done on line, i notice it on my statement on XX/XX/XXXX immediately call wells fargo, i did a fraud claim they told me that they didn't approve that transaction and they never gave the money to who ever was committing the transaction because it didn't seem right but they still charge my credit card with the XXXX plus fees I've been calling them since then and they put me through every department and they just tell me I have to deposit XXXX dollar to get that charge out of my credit card, I whent to the branch on XXXX XXXX and XXXX XXXX in XXXX XXXX nv and the wells fargo employee told me that they don't do those problems at the bank

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
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
comenity bank state to XXXX on complaint ID # XXXX on XXXX responded didn't agree to delete the account by comenity bank/XXXX {$330.00} XXXX XXXX XXXXwhen comenity bank stated to the c.f.p.b.complaint ID # XXXX on XX/XX/22, Non-monetary relief of the accounts of comenity bank XXXX account ending # XXXX plus XXXX and comenity bankXXXX accounts ending # XXXX plus XXXX those are federal forgiven debts and both comenity bank and XXXX have over looked the I.R.S. and the federal trade commission rules on reporting reporting federal forgiven debts, the letter that comenity bank sent to me to up date the accounts above and the statement stated to the c.f.p.b. is sent by certified mail.to c.f.p.b.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I sent police report and they still haven't remove from my credit

Company response to consumer: Closed with non-monetary relief