vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX we purchased a XXXX XXXX fuel cell vehicle from our local dealership. The vehicle takes hydrogen fuel. During the purchasing process I inquired about availability of hydrogen fuel and was told ( quote ), " There are three stations in the area and two more will be opening by the end of XXXX. Getting hydrogen is not a problem. Its just like going to get regular gas in any other car ... '' ( end quote ). 
Well, this is simply not true. I decided to track the three fueling stations in my area. In a one year period ( XX/XX/XXXX to XX/XX/XXXX ) the fueling stations have been down, for various reasons, for a total of 235 days! That's almost a full year of unavailability! 
During this time I have only been able to use my XXXX, which is my only vehicle, a total of 8 months! That means it has been sitting in my garage, unable to use, for 4 months! And now, in XXXX of XXXX, all fueling stations have been down a total of 16 days. In just one month! 
So, I have a car I can not drive but I am paying a car payment on. 
I contacted XXXX on multiple occasions. They have offered to pay for a rental, but there are NO rentals available because the XXXX owners have rented all of them out. So, I have no transportation to get to a brand new job ( I was out of work for 6 months while still making my car payments ), no way of refueling my vehicle, and the only option is to get a rental and pay for it out of my own pocket ( which I can't do since I have been unemployed ). 
Toyota Financial Services will not offer any payment relief, even though this is not my issue nor am I the cause of the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: SC

Complaint narrative:
As a consumer, Transunion has violated my consumer rights under the FCRA, numerous times. I did not give my written permission or instructions to furnish the attached negative accounts. I have requested documentation proofs from Transunion of my written consent to furnish the accounts and did not receive them, only was sent a copy of my consumer report as they always only send. 

15 US Code 1681 States I have a right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...

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 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We had a mortgage with Wells Fargo and they were to come to mediation and work with for getting a proper payment plan. They representative from California was to get approval for loan modification. He never called or returned to the meditation process and filed for the foreclosure. They put the wrong address on the filing documents to the court and we lost our home unfairly during the housing crisis. 
XXXX to XXXX long period.

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 2023-01-23 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX

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 2023-01-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, Experian and XXXX ) for violations under the federal laws listed above. 

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 ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.

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 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XX/XX/2022 Mr. Cooper advertised that if you had financial troubles you could get a deferred plan to not make mortgage payments for 3 months with an option to extend to 6 months if needed. The monthly payment plan would increase from {$550.00} ( approx ) to {$640.00} ( approx ) per month to cover insurance and tax payments ) The remaining mortgage amount would then be deferred to the end of the mortgage date. 

I agreed this was the plan I desired. My forbearance plan was for XXXX, XXXX, and XXXX of 2022. 
When my end date approached, I tried to resume my mortgage payment but Mr. Cooper would not accept my payment unless I paid the full amount of the last 3 months ( approx {$2100.00} ). 

I informed them this was not the plan I agreed to. Talking to XXXX at Mr. Cooper today she informed me that the deferment had not been applied for, thus I owed this money at the end of the forbearance plan. 

I had received ABSOLUTELY no information on this and had been assured in XX/XX/2022 that everything was complete. 

I feel the company misrepresented the information that was provided to me and believe this may be a scheme to foreclose on my property to harvest the equity ( approx {$28000.00} ) from my home, although I can not prove this, of course.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
On XX/XX/XXXX, I authorized a balance transfer from my XXXX XXXX credit card to a Barclays XXXX XXXX XXXX in the amount of XXXX. I was charged a fee of XXXX as well. As of XX/XX/XXXX, the balance has still not transfered. I have since had to pay the balance of the XXXX XXXX to avoid deferred interest, so my current XXXX XXXX balance is XXXX. Barclays will not reverse the balance transfer nor the fee. I reached out to them several times via chat to be told that it could take up to 21 days. On XX/XX/XXXX, I called and spoke to someone in person at Barclays who told me she was opening a case and it could take up to 3 weeks. At this point, I am being forced to make payments to Barclays for a balance transfer that never happened in addition to paying off the intended transfer to XXXX XXXX myself to avoid deferred interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Trying to find out how to file a claim against Wells Fargo for their fraudulent banking practices on a mortgage from 2012

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 2023-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Predatory loan, illegal repossession from another state, apr rate predatory. My teenage daughter and I drove up to visit XXXX for family emergency. My car was parked outside of house and I went to sleep woke up to no car. I immediate called police to file stolen vehicle report.before I made report the police check database for repossessions and my vehicle wasnt in data base. I filed report with police. I find out a tow truck illegally stole my car and police made tow truck drop car and the Wells Fargo recovered it. 2 separate police reports with some malfeasance taking place.contacted Wells Fargo and I was told to refinance at branch. I go to branch and they said they stopped refinancing since 2019. I already had claim open with the president of Wells Fargo and I was told if I didnt want to pay storage fees to refinance.Meanwhile I explained that me and my daughter were left stranded in XXXX XXXX I lost my job and my daughter missed a lot of school days. I was never able to refinance from taking hits on credit report from applying at multiple companies. This has truly been a nightmare.

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 2023-01-23 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: PA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: DE

Complaint narrative:
This is payment for an office visit which was paid in cash the day of the visit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Chime Financial Inc
State: GA

Complaint narrative:
Well this month on XX/XX/XXXX of 2023 I was logged out of my chime account because my phone had broke. So from beyond that point this whole month I had been back and forth with the company trying to get my account back because I still have money on my account, anyways I called the company and everytime I call them for my account I have to verify it's my account when I do all the steps it says I have to do it all over again. Chime customer service didn't help with the account I've tried to speaking to someone in command but everytime I do get on a phone call with a supervisor they would tell me I have to redo the steps. I have bills too pay and I know that I have money on my account but it's just the fact that I have money on my account and I don't know if my money is being used or not plus my taxes are coming in and it's sent to my chime account so I would be having a total of $ XXXX {$5000.00} I need help please help me out. Thank you for reading this and helping me out with my problem. P.S. The phone number associated with my account hasn't been in use for approximately 3-6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Sold a car that was paid by wire transfer... us bank wont release the funds although they are shown as available. The reason they claim is to protect me from fraud when there was no fraud. I have bills due and cant access my money. The funds have been posted for over a week! The branch manager cant tell me when I can have access to my money. This was a wire transfer from a verified buyer NOT a credit card ACH that can easily be reversed. The bank has no reason to do this. I do not need them to protect me from my mnoney! The funds have posted I should either be able to get my money or told when I can get the funds. They cant seem to tell me that and it is creating a hardship for me. Once they figure out there is no issue other than the one THEY created for me... I will be closing my US bank account! Additionally the buyer of the car has a car carrier comong to pick it up ... if the funds are locked ... I cant release the car. I get sued and in turn I have to sue US Bank. Additionally when I asked the branch manager for the district managers contact info she would not give it to me.

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 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I open a Jetblue credit card in XX/XX/2022. I have tried numerous times to log into my account and was unable. I have called customer numerous time spending many hours trying to rectify this problem with no results.Now when I call I get put on hold and know XXXX picks up. I would just cancel the card but I have a lot of points on it. They gave me and incident number XXXX If that is any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: AZ

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-01-23 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: OneMain Finance Corporation
State: NY

Complaint narrative:
Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XXXX XXXX bought from PayPal years ago I guess is trying to get money an just sued an put a judgement on me in which Ive never opened an account in XXXX of XXXX for PayPal an Ive told XXXX XXXX states that they sent letters to me but I never got anything in the mail from this company I didnt XXXX  anything about this account being opened until the end of XX/XX/XXXX when a guy showed up an gave me a paper. Ive tried numerous times to talk to these people but I get nowhere plus when they did finally send me the charges from a lawyer which was Saturday XX/XX/XXXX I dont recognize anything on those papers but yet its showing small amounts here an there on a few occasions that payments came from my checking account using my credit card in which that credit card was hacked into this is someone elses doing I even tried to login to PayPal Ive XXXX PayPal XXXX they told me I have never had an account with them an I never had I really dont no what to do an now theres charges an a lot of interest that has been added along with XXXX  my credit. I was told if I dont have proof from these XXXX  lawyers then I cant prove anything an Ill have to pay everything an then some thing is is I dont have any proof to help at all.

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 2023-01-23 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of 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 reporting 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 2023-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of 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 reporting 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 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have a disputed credit card debt with Wells Fargo from 2018, which I have been trying to resolve with them and am unable to connect with anyone to at least discuss setting up a payment plan. Now my employer has received a wage garnishment letter, which is prohibited as I am a Pennsylvania resident and it is illegal to garnish wages for credit card debt in this state.

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