vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX through XX/XX/2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed  and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.

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 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Oh XX/XX/2020 I contacted Lexus Financial for assistance with my vehicle. I was told by the representative that they could do an extension for XXXX and XXXX which would make my next due date XX/XX/2020. The representative stated that she would have no trouble getting this approved and placed me on hold. When the representative came back to the line she stated that the extension was not approved and was unable to provide me with an explanation as to why. I was provided with false hope. I asked for a Supervisor and spoke with XXXX who ID himself as a supervisor. XXXX repeated what the representative and was unable to provide me with any explanation. I feel that I have been financially discriminated against due to my Bankruptcy. Everyone needs of assistance during this time when our nation is experiencing a pandemic. XXXX could not answer my question as to if I miss a payment will my vehicle be repossessed. I need my vehicle and I need assistance my husband has XXXX XXXX and that is the only vehicle used to get him back and forth to treatment. Not to mention I have to keep the medical insurance for my husband and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: FL

Complaint narrative:
I am filling a complaint against Equifax because they violated section s.1629e ( 8 ) of the debt collection practices act. Which clearly states that any information know to be false, can not be reported to any credit bureau, I request that you immediately delete this information from my credit reports. A credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

I sent a dispute letter demanding verifiable proof to an unverified account on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response from Equifax. First violation of the FCRA s.1629e ( 8 ). 

I sent a 30 day non response letter enclosing a copy of the original letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The non response letter was sent on XX/XX/19 and arrived on 10/3/19.The 30 days passed and I did not receive any response from Equifax. Second violation of the FCRA s.1629e ( 8 ). 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 


The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a dispute with XXXX about my TD Bank account. The account was listed as having been charged off in XXXX and XX/XX/2020. The account was included in my Chapter XXXX bankruptcy and discharged on XX/XX/2020. TD Bank did not change my account from charged off to discharged in bankrutpcy. I called and was told by collections that they did not know how to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : KOHLS/CAPONE XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: FL

Complaint narrative:
Afni collection agency calling constantly and harassing I don't believe that the amount that they're saying is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NH

Complaint narrative:
On XX/XX/XXXX I called Fedloan to confirm that XX/XX/XXXX payment was not going to be taken out of my account due to the CARES Act Covid-19 response bill having been signed into law. I was informed at this time that Fedloan is claiming that suspended payments during the Covid-19 forbearance period will not count towards PSLF qualifying payments. I was encouraged to continue making payments by both representatives : XXXX # XXXX and XXXX # XXXX. This is in direct contradiction with what the Cares act states : SEC. 4513. TEMPORARY RELIEF FOR FEDERAL STUDENT LOAN BORROWERS. 
( a ) In General.The Secretary shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. 
( b ) No Accrual Of Interest.Notwithstanding any other provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ), interest shall not accrue on a loan described under subsection ( a ) for which payment was suspended for the period of the suspension. 
( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I believe that this company is in violation of federal consumer laws by assigning a unverified debt that I have no knowledge of I have due to the inaccuracies it has lowered my credit score and Is deformation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
On XX/XX/2020, I sent a friend in XXXX {$250.00} via PayPal. My friend in XXXX said the money was put on hold for a month. The PayPal company in the US did not mention any holds would be put on the money and said the money would be available to the person on the other end in a short amount of time. My friend emailed me earlier this week and said PayPal in XXXX put another month hold on the money. I have been messaging PayPal in the US but they don't seem to care what PayPals in other countries do in their name. They just told me to have my friend in XXXX get in touch with the PayPal over there. As far as I'm concerned it is unethical to hang on to money I've sent to someover for an arbitrary amount of time. 

The PayPal in the US took no responsibility. If rules for PayPal in other countries are different, then it should be posted on their website. At the moment my friend in XXXX asked for the money to be refunded. It is pending. I'm not totally hopeful it will be returned or returned in a timely fashion.. 

I sent the money because my friend and his family are poor and under lockdown. I had a little to spare and thought I was doing a good thing. If I get it back I will try XXXX XXXX and hope they are more ethical. 
I just want PayPal to take more responsibility. It is a service they offered on their website with no caveats or warnings. They did not even take any responsibility after getting in touch with them or give me any reasons for the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX  XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. 

Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020, a wire transfer of {$5500.00} USD from XXXX  XXXX XXXX to JP Morgan Chase was sent incorrectly to a closed account. On a phone call on XX/XX/2020, JP Morgan Chase verbally admitted to finding the incorrectly sent wire and said the wired funds would be rejected and returned. 
On XX/XX/2020, Funds have not been returned. A written message was sent on JP Morgan Chase 's secure message center with the wire transfer details requesting a return funds status update. 
On XX/XX/2020, Funds have not been returned. XXXX XXXX XXXX sent a wire administrative message to JP Morgan Chase with a request to return the funds. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message or the wire administrative message from XXXX XXXX XXXX. Another phone call to JP Morgan Chase was made to inquire about a return funds status update. This time JP Morgan Chase provided a reference #. 
As of XX/XX/2020, Funds have not been returned. JP Morgan has not answered the written message, provided investigation status, and they have not returned the funds to XXXX  XXXX XXXX yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: AZ

Complaint narrative:
Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
We would like to seek your help with an issue that we have been having with the mortgage servicer/debt collection. The mortgage servicer has violated the Real Estate Settlement Procedures Act. While they held an encumbrance on property and they didn't notify the transfer in timely manner to the borrowers. They sent us the documentations showing the property was transferred from XXXX   XXXX XXXX until last year. Even through they had it transfer since XX/XX/XXXX according to the documents they recently sent us. 
They have done so, after we contacted CFPB last year to explain our frustration with the lender. We didn't know if Real Time Resolutions had an interest in the property since XX/XX/XXXX. We know about the lien through a closing in XXXX. 
Due to all the mortgage frauds that have occurred so much in the country, we made several inquiries to the servicer to require the " Legitimacy '' of the encumbrance. Again, they never told us or explained their right on the property till last year once we contacted you. Recently, we received one of their statement saying they will proceed foreclosure on the property. This loan has an interest RATES of 11:55000 %. 
This unscrupulous lender has hidden the mortgage, where we would be eligible for a loan modification while the 1st mortgage was modified with an interest rate of 2 % and a reduce principal in XXXX. We believe their action is deceptive and misleading.The lender mentioned, they have contacted us, after we filled for bankruptcy chapter XXXX in XXXX. Yes, we did file for bankruptcies at the moment of great financial challenges, but we never file with their account. Because in XXXX we didn't know about their existence. 
Real Time Resolutions has failed to disclose in the initial written communication with borrowers.They have used unconscionable act by keeping the account in silence to take advantage of high interest rates. Due to misleading and deceptive acts of the lender. we are asking Real Time Resolutions to release the ENCUMBRANCE of the property free and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I carried out a financial transaction for transferring money from my bank account to my wife 's bank account in XXXX through PayPal. However the discounted amount of my account was not the amount credited to my wife in XXXX, much less than the amount expected. At the same time that the transfer was made I realized that there was an operation error and a complaint was opened by me who transferred and by my wife who received it, but PayPal did not take into account the request to block the operation and did not give due service and also did not give the proper ways to resolve the case. I ask for help to reverse this financial transaction because it was not treated correctly and with abusive fees by PayPal, which was ordered not to do the operation and even so it did. thank you very much, I hope for a brief return as this case is of financial URGENCY. 

date of transaction XXXX ID case claim - XXXX- XXXX ( XXXX XXXX ID case claim - XXXX ( USA )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 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: AZ

Complaint narrative:
XXXX and Experian are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
I became the link  one up on my account number XXXX with BSI financial as a servicer. In contacting them in mid-XXXX  I was advised to pay {$3400.00}. when I become free confirm this number days before the same representative then told me they wanted now {$3700.00}. I was told to pay by XX/XX/XXXX XXXX XXXX.. I have continually tried to reach out to them to make a payment with no success. Finally reach the representative XXXX XXXX by email and now he's demanding more money. He is acted unprofessionally and threatened to take our property in a matter of months. He is threatened lawsuits and that he could still proceed with any legal action against us irrelevant of the status of the environment in New York state right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I had been furloughed due to Coronavirus shutdowns. On XX/XX/XXXX, I contacted my student loan private lender since I had mailed my loan payment but due to no longer being employed I am unable to make the 2 large payments I had intended. Since the checks had already been sent for deposit they advised I stop payment. My bank charged me 2 stop payment fees of {$35.00} for a total of {$70.00}. I called and discussed the circumstances and hardships I am facing. Initially I was told Id have to wait for the fees to be applied. As a member for over 15 years, I called again on XX/XX/XXXX and asked for fee forgiveness considering the unprecedented events. They were unwilling to consider forgiveness.

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 2020-04-01 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$1800.00} XXXX   XXXX XXXX {$650.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$1300.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$6300.00} XXXX XXXX {$0.00} US DEP ED XXXX {$1300.00} XXXX XXXX   XXXX {$110.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX  XXXX {$270.00}

Company response to consumer: Closed with explanation