vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I did make a phone call to Lexus financial to check the detail of my payoff amount. Their representative can't answer me clearly and also say something else to blur the detail. Once he transferred me to the resolution team, they are not able to explain the detail either but will email me the detail. 
Later, I received the explanation email that still doesn't come with detail or the equation on how the final number comes out. The explanation letter just told me the principle of how the number they calculated. 
In total my payment together, I have paid more than XXXX than the XXXX OTD number. 
And under the current lease term, I have been charged the full amount of XXXX term 's lease tax, and I have only fulfilled XXXX months, I am also looking for these tax refunded back to us too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: NC

Complaint narrative:
This is not mine.

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 2022-07-01 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: NC

Complaint narrative:
This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: U.S. BANCORP
State: TN

Complaint narrative:
I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report.

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation.

In accordance with the Fair Credit Reporting Act your agency 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 consent or instructions.

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 2022-07-01 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: NC

Complaint narrative:
This is unnamed account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I never received a verification of debt from the company Aargon Agency Inc. The Debt is for {$1900.00}. The debt collector has now reported it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This issue is separate from the other two previously filed claims against Chase Bank. This is a new one in response to their response to me, claiming that they closed my account due to excessive claims. One of those claims were called in over the phone where I stated someone had booked a XXXX XXXX XXXX in California claiming to be me. I even offered to send to them the itinerary which was given to me by the hotel after calling them. They then sent me a new card as a preventative measure. When I first learned of my account closure on XX/XX/22 I asked if it was in regards to this so I could provide them with the proper explanation and they stated no reason was given and that my accounts were simply closed at the discretion of the bank. I asked if it was regarding my claims filed so I could assess to provide documentation if needed, but was never given that opportunity. 

I believe that this is discrimination and if the response to this complaint by chase bank is continue with the termination of my relationship to them and to keep my accounts closed I will now be pursuing legal action against Chase Bank and will then follow up with them with an attorney to file suit, if my account is not reinstated. As a XXXX man I believe this was due in course to discrimination. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I applied for a mortgage with Rocket Mortgage ( Loan ID # XXXX ) in XX/XX/XXXX to purchase a property. The set closing date was XX/XX/XXXX, however, the appraisal report from them came at XXXX PM XX/XX/XXXX. I could not close that property on time and lost the earnest money. They emailed me on XX/XX/XXXX informing me about the problem with the appraisal being delayed, and promised to refund me the appraisal fee if they can not close my loan on time ( see attached file ). 

Now it has been 6 months, and I have not received any refund from them. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts have violated my rights : The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate. This ground for removal they also violated my rights under. I have the credit report showing the inaccuracies. 

15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-01 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: DISCOVER BANK
State: GA

Complaint narrative:
I did not authorize a hard pull on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
On XX/XX/2022 I was sent a document from the law offices of Mitchell D Blum & Associates LLC. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX The document was an attempt to collect a debt and for the amount of {$380.00} The original account # on the document is # XXXX Texas law requires debt collectors to carry a surety bond and requires they communicate their bond number upon request. 

The document I was sent does not have a bond # nor does the website for this business. 

Florida Law requires a debt collector to be licensed in the state of Florida and carry a surety bond. Florida law also requires debt collectors to communicate their license and surety bond details upon request. 

I called the offices of Mitchell D Blum & Associates LLC on XX/XX/2022 to ask about their bond number to validate their are an actual business that is authorized to collect debt in the state of Texas. The associate I talked to could not communicate the surety bond number to me and was very combative. 

I believe Mitchell D Blum and Associates LLC along with XXXX XXXX XXXX are engaged in identity theft in a attempt to illegally induce me to pay {$380.00} or have my ability to engage in commerce restricted via derogatory credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NM

Complaint narrative:
It is not possible for me to file a complaint against XXXX XXXX XXXX XXXX, so it is against M & T Bank. I was supposed to have ALL overdraft fees associated with a debit purchase that was unauthorized refunded. They were not. The fee of {$37.00} charged on XX/XX/2022 which was a direct result of a charge that was disputed and refunded was NOT refunded. Had I been accurately refunded in the first place, they would have lost out on SEVERAL of their {$37.00} fees as many were {$20.00} or less. 

Additionally, they are in breach of their own contract. If money is placed into an account the same day an overdraft fee is incurred, there is not supposed to be an overdraft fee. On XX/XX/2022 I was charged {$37.00} for an overdraft from XX/XX/2022. However, I deposited {$340.00} on XX/XX/2022. The overdraft wouldn't have been charged if they followed their OWN policy. The only reason the account went negative was the 4 {$37.00} fees from XX/XX/2022. 

I called the banking center and was refused to have even this one fee refunded.

They have taken 19 {$37.00} fees in less than a month.

If they refuse to follow their own contract, I will take them to small claims court. I would like the FDIC to note that the fees M & T Bank charges are less than XXXX XXXX XXXX, significantly, and they have taken AWAY positive things in my XXXX XXXX contract ( like checks up to {$500.00} being available right away ). How is it legal to take away only the positive things I was offered by my bank and keep the negative ones -- yet I am unable to sue XXXX 's XXXX -- -how is this legal to treat two consumers forced to use the same company so differently? There should be more oversight!! 

Additionally, while it is subjective -- FDIC states these fees are not allowed to be " excessive ''. Guess what? THEY ARE EXCESSIVE!!!

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 2022-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am unable to access my account. The website redirects to " Bread '' financial which has apparently acquired Comenity. When I try to use the feature to find my account, it gives me an error message that it wasn't found. On this error page, they acknowledge an issue and say they're waving late fees for those whose payments were due on XXXX and XXXX. I do not fall into that group. 

I attempted to call, and was greeted with an automated message repeating the above information, and then told that they are not accepting calls and it hangs up on me. It is completely unacceptable that I can not access my account and they are shut down with no way to communicate with customers other than to say " sorry, we're not taking calls ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO

Complaint narrative:
XXXX XXXX works for ( PRMG ) program residential program Group Inc. Under XXXX XXXX was our lender REALTOR XXXX XXXX XXXX I were trying to buy a condo or home through these two people. The first excuse was the person who put the ccondo on the market at XXXX XXXX. Was told FHA. Problems and a lot deal from both ends. The on PUT on market wrong was not on market for 90 days. THEN XXXX income was to low. If XXXX good at numbers THEN how did he miss that. XXXX was told XXXX was a XXXX  before contract was sign. He told both he was going back FULL time in the fall to schoool. XXXX at XXXX said she had talk to XXXX. I lost {$1100.00}. reach out to XXXX boss and I got back {$320.00} was told GO after the lender he ran the numbers. Was in from was a breach of contract.XXXX Legal advise report them all should known I want my appraisal fee back from XXXX company. Both agree pay for our next fees. I told I don't like taken money like that. She called I told both I want my money back XXXX XXXX XXXX {$500.00} more XXXX from both then she took it back. Said was there fault didn't like how bad she talk of other people and theXXXX said his XXXX look over it and boils down to XXXX income..wife had no business looking at our paperwork She not our lender.. XXXX said I was connecting fraud by not having XXXX move in with me but his name was on the contract. I was informed by my lawyer doesn't matter who's on the contract as long as the house note is getting big. They're a ton of people that buy houses and they don't live in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
My number as been associated with another party that ARS ( ARS National Services ) is attempting to collect or clarify a debt obligation.

I have responded in person on a number of occasions to a number of the 50+ messages left on my cellular voice mail morning, day and evening. I have requested my number be removed from their records. I have been unsuccessful in stopping the harassment and would like the CFPB to step in and help.

I want ARS to honor my request to cease and desist contacting me for debt obligations that are unrelated to me and hope my issue helps others that are facing the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: GreenSky, LLC
State: GA

Complaint narrative:
I did not authorize a hard pull on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I did not authorize a hard pull on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Incorrect Address on my consumer reports

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 2022-07-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I did not authorize a hard pull on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not authorize a hard pull on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
XX/XX/2022 : Open Charles Schwab brokerage and checking account ; XX/XX/2022 : Deposit brokerage account {$10.00} ; XX/XX/2022 : Deposit checking account about {$5000.00} ; XXXX : Accounts are locked ; XXXX : Some calls to unlock the accounts and it said it was under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to unlock the accounts and still under review ; XX/XX/2022 : Call to close the accounts and it said the closure request is under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; XX/XX/2022 : Call to close the accounts and still under review ; Basically, Charles Schwab locks the account for about half an hour for review. When I tried to close the accounts, Charles Schwab held the transfer of the remaining balance for about two months. I still don't get the remaining cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I contacted Ally Financial in XX/XX/2022 regarding an auto loan I was unable to pay after falling ill to XXXX and being without pay for 3 months. They agreed to accept 1 payment immediately and allow me to pay extra for a couple months to catch up. But after taking the payment by phone they continued to bill me normally which resulted in me falling even further behind. It's disheartening to have these guys misrepresent what they're willing to do in order to get a payment and makes trusting anything they say very difficult. They've now reposessed the vehicle without providing me with the required Notice of Right to Cure or the Notice of Right to Redeem. I've contacted them and they've been completely uncooperative, and misleading, with one Agent in the Redemption Department telling me that he wasn't allowed to provide his full name ( XXXX ) or allow me to speak with a Superviror, and that my only option for getting my car back was to pay the full amount past due as well as late fees and that I'd have to pay the company that reposessed the car. These charges have stacked up to over {$4000.00} total. XXXX assured me that that is Ally 's policy and that they have no program to assist customers having these sort of issues. With times being so difficult on everyone, and the Federal Government helping U.S. Companies, including Ally, I find it difficult to believe that Ally would be so abrasive and hostile towards customers and refuse to 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