vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I have asked the company a number of times to stop reporting late payments which was false ; there was originally supposed to be a deferred payment, and payments were reported late. Then there was dispute of the account, the time during which no late payment was supposed to be reported. This account continues to be reported late, in violation of consumer protection laws, and the fair credit reporting act. This has went on since XX/XX/2021 to present,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX on XX/XX/XXXX Ive contacted no response to get my money back from this unauthorized transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
If this account with XXXX XXXX was closed in XX/XX/2020. How is it possible to report the account charge offs monthly after it was closed?!! Thats a violation Im requesting removal of account XXXX XXXX have removed account except Experian

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 2021-10-25 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: FL

Complaint narrative:
If the account of XXXX XXXX XXXX  was closed in XX/XX/2019 how can you continue reporting charge offs after the account was closed thats inaccurate reporting requesting removal

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 2021-10-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is about the excessive amount of time taken by Citibank to resolve a dispute on a transaction on my Citibank AA Advantage credit card. The dispute was opened on XX/XX/XXXX about a charge on XX/XX/XXXX for a United airline ticket. The case is currently still opened, and Citibank has not been responsive to resolve the matter. Federal regulations require disputes to be resolved in 60 days and no more than 90 days. Currently the case is unresolved for over six months. 

The XXXX ticket is a refundable one, but the refund amount never show up on my credit card account after cancellation. As a result a dispute was filed on XX/XX/XXXX with Citibank with case number XXXX. Citibank gave a temporary credit of {$4800.00} during the initial investigation, but later reversed the credit a month later, claiming that the merchant has already credit the account and close the case. I checked my statements carefully, but never find any credit since XXXX from XXXX. 

The issue was raised with Citibank several times during the next few months, but each time Citibank response with the same letter claiming the same thing, that the merchant had given a credit already. 
Each time they did not answer my question of where and when they saw the credit in my account. 
It was not clear if the Citibank bank investigate team understand the issue. 

The issue was unresolved until XXXX, when a Citibank customer representative manger, XXXX, from the dispute department finally acknowledged that nothing from XXXX have been credited into my account. She promised to let the investigate team understand and resolve the matter in 2 weeks. 

However through out XXXX, nothing happen. The last thing from Citibank in an email on XX/XX/XXXX is that the case is pending. 

I have exhausted all my efforts in these, and would appreciate Department of Financial Services could 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 monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
The problem is with Toyota Financial Services. 
Toyota claims that I am 2 payments behind and have been sending me default notices all year long starting in XXXX of this year. At first I immediately sent them the extra money thinking that it would solve the problem I did not even look into it not realizing that I was never behind, in fact I should be a little bit ahead. It the beginning of the pandemic I decided to change careers in an attempt to stay on track with my payments. 
I have reached out to Toyota Financial Services about this issue. I have even gone to the trouble of faxing them bank statements showing my payments. 
This issue currently holds down my credit score in a way that I feel is unfair and unjust.

Currently Toyota Financial Services is accusing me of being late again. I have received a notice dated XX/XX/2021 accusing me of default on 2 payments beginning with XX/XX/2021. They want me to pay them : {$380.00} by XX/XX/2021. 
But this time I have a screen shot of my transactions from their own website showing that I am not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are two " hard inquiries '' on my credit reports. They are from : XXXX XXXX XXXX dated XXXX XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  wrote this loan off in XX/XX/XXXX Since then they have continued to add accrued interest and fees to the loan increasing the balance and continue to report as new activity each month even though it reflects a date of last activity from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

Complaint narrative:
XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.

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 2021-10-25 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: GA

Complaint narrative:
XXXX XXXX XXXX  kept reporting fraudulent charges from the gym XXXX, months after I contacted the gym and attempted to cancel the membership. Since I started disputing the fraudulent charges, my account has been reported late to the credit bureaus, which is a violation of the Fair Credit Reporting Act. I have submitted all the necessary documentation and yet you continue to report these fraudulent charges.

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 2021-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: RI

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NY

Complaint narrative:
I am. a victim. of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2021-10-25 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: Self Financial Inc.
State: TX

Complaint narrative:
This is a fraud account due to the fact that this company is reporting a Secured account and is charging for credit which is against 15 usc 1666 & 1692. I've tried handling this account with them but they are still reporting this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I sent {$100.00} to my nephew 's bank account in XXXX, XXXX, via TransferWise on XX/XX/2021. The money has not arrived into his account as of today. TransferWise pulled {$100.00} out from my XXXX XXXX account on XX/XX/2021. I contacted the Transferwise via email and informed them about the situation. I had some correspondence with one of TransferWise representatives. I am not pleased with his responses. Here is what he wrote : " Just to summarize, are two options available. We can either wait 1-3 weeks until we receive back the payment, or we can try to recall the payment, but it might not be successful. ".

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
This complaint addresses the calculation of interest charges that NewRez, LLC, has imposed upon the unpaid principal balance of my home mortgage loan ( NewRez Loan No. XXXX ) since XX/XX/XXXX. As a prelude to the information I am providing herein, please be advised that I filed a prior complaint ( ID No. XXXX ) with the Consumer Financial Protection Bureau for interest charges that were errantly applied to my account between XX/XX/XXXX, when NewRez began servicing my home mortgage loan, and XX/XX/XXXX. This prior complaint was satisfactorily resolved and documented in a letter NewRez sent to me, dated XX/XX/XXXX. NewRez included a Loan History Statement with that letter, stating that my unpaid principal balance, as of XX/XX/XXXX, was {$10000.00}, which was consistent with my own calculations. 

Since XX/XX/XXXX, I have made regular monthly ACH principal plus interest payments of {$670.00} on the XXXX day of each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Additionally, I have made principal only payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX payments ), XX/XX/XXXX, and XX/XX/XXXX. With the exception of one of the two payments made on XX/XX/XXXX, all of these principal only payments were in the amount of {$670.00}. The other principal only payment made on XX/XX/XXXX, was for {$670.00}. NewRez imposed an interest charge of {$35.00} on one of the XX/XX/XXXX, principal only payments. It is my understanding, as I stated in my prior complaint, that the terms of my loan allow NewRez to impose interest charges only at the time of my regular monthly payment ( ACH transaction about the XXXX of each month ) based upon the outstanding principal amount at the end of the prior month. As a cumulative consequence of NewRez imposing interest on one of my XX/XX/XXXX, payments, I believe that my account has been overcharged {$35.00} of interest since XX/XX/XXXX. I am attaching spreadsheet calculations substantiating my contention. My spreadsheet calculates a current unpaid principal amount of {$350.00}. I am also attaching printouts of my online NewRez payment history after XX/XX/XXXX, showing a current unpaid principal amount, as of XX/XX/XXXX, of {$380.00}. 

I have attempted, unsuccessfully, to resolve this matter over the telephone with NewRez customer service representatives. During my most recent telephone conversation, on XX/XX/XXXX, the NewRez customer service representative erroneously advised me that the interest imposed on my XX/XX/XXXX, regular principal plus interest payment was based upon my principal balance as of XX/XX/XXXX, instead of XX/XX/XXXX, which I recognized as being patently incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: HI

Complaint narrative:
I have filed a dispute with EQUIFAX on XX/XX/XXXX asking for an independent investigation and asking them to verify accounts with original contracts as well as original signatures, asking EQUIFAX to independently verify legal ownership of these following accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # xxxxxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX On XX/XX/XXXX EQUIFAX said that the investigation to my disputes were closed, but they did not furnish me with any signed contracts or any original contracts, they also didn't furnish me an independent report, they also did not furnish me with any data at all, of their investigation. They violated my rights according to 602. [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 


Thank you for your attention to this Urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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
State: OR

Complaint narrative:
On XX/XX/2021, I received an email from PayPal stating that my account has been limited. The email states that PayPal had requested information from me which I haven't provided and he's the account has been limited which is not true. I received the email asking for information and stating that the account is limited at the same time with no prior notice. ( Ref ID XXXX ) I then immediately submitted all the information that PayPal requested from me XXXX That included a copy of my driver 's license, proof of address, bank statements and credit card statements of all my accounts and cards associated with PayPal as well as proof of ownership of those accounts, I also provided an explanation of the transactions PayPal had asked me about. I have read all of PayPal 's terms and conditions and I don't believe that any of my transactions goes against PayPal 's user agreement, terms and conditions or TOS Terms of Service. 

I then very shortly after received an email stating that I'm permanently banned from using PayPal ; without any explanation. I believe that this is either a discrimination against me personally or a system error. As nothing of what I do is against PayPal TAC and I have been using the service for several years now. I tried contacting PayPal several times and no one is helping I use PayPal to receive rebates on some products I purchased for the purpose of testing on my XXXX channel as well as often making unboxing videos of their products and providing designs and marketing advice for the manufactures. 
XXXX XXXX XXXX I have also previously used PayPal to send money to family and friends in the US and in my hometown in XXXX. I never had any issues with PayPal for years now and never had a dispute on my transactions ( Except one made by mistake and canceled later by the other party ). I'm asking PayPal to look into this matter and to reinstate my account again. If PayPal needs any additional information from me to verify my ownership of my accounts I'd be more than happy to provide anything that's needed.

Company response to consumer: Closed with non-monetary relief