vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
A credit inquiry was made through XXXX by Comenity Capital IKEA XXXX  on XX/XX/23. I had this inquiry removed from my credit report. Another credit inquiry was made through XXXX by CCB Bread Cash Back on XX/XX/23. I'm currently in the process of having this inquiry removed, however XXXX requires an FTC fraud report number and a police report number to remove the inquiry. An identity verification occurred on XX/XX/23 through XXXX by Alliance Data. I found that 2 accounts were opened. One for a credit line of {$10000.00} and another for {$7500.00}. I had Alliance close both accounts. I have placed a freeze and fraud alert at all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hard inquiries file on my credit reports have sent letters in that the inquires are incorrect and now filing a complaint XXXX it is affecting my credit and the ability for further future endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MA

Complaint narrative:
Dear FIRST PROGRESS Bank ; I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened in XX/XX/2018 without my consent, and there is a current value of around {$160.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
Around the middle of XX/XX/XXXX I acquired a vehicle in a consumer credit transaction through XXXX XXXX Mazda and Mazda Financial Services ( also Toyota Motor Credit Corporation ). I asked quite a few questions about my rights as a consumer but I was basically told they do not exist. I never received full disclosure among other things such as no documents to rescind the contract nor the fact that I had the ability. Furthermore, the documents actually say there is " no cooling off period '' which violates rescission in federal law, and as such I was never told I have 3 years to do so. 

Around XX/XX/XXXX I mailed by certified mail, a debt validation letter to Mazda Financial/Toyota Motor Credit ( attached ). They responded on XX/XX/XXXX that the debt validation letter was a " fraudulent form of payment '' and threatened legal and physical actions against my property. 

On XX/XX/XXXX they then sent a cease and desist of their own volition saying the would " cease all communications regarding the account ''. They lied, and sent another bill the next month ( attached ). 
AFTER THE 30 DAY WINDOW FOR VALIDATION I NEVER SO MUCH AS RECEIVED A WORD REGARDING IT. I EVEN CALLED, THEY LIED SAID THEY SENT IT, AND SENT ANOTHER ONE THAT DAY PER MY REQUEST ( late XXXX ). I NEVER RECEIVED THAT ONE EITHER. They continued to attempt to collect the " debt '' during the validation period/dispute and continue to do so. 

They were also " assigned '' the " debt '' which was never properly disclosed to me either, nor did i receive any consideration for my signature. Assignment is for Creditors in bankruptcy, and Debt collectors and creditors must be the same person as well.

Mazda continues to collect a debt illegally, continues to violate their own cease and desist, and can not and has not validated the debt they claim I owe after more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: NY

Complaint narrative:
I XXXX XXXX am making this complaint myself not a third party company. please do not close this complaint with out sending it to the proper places. I went to buy something on credit and noticed that there are some accounts on my report that i never signed up for so i am complaining that the credit agencies have done nothing to help me get these accounts off my credit even though i submitted a report and also a [ police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OR

Complaint narrative:
I received an email from a credit reporting agency that my score has been affected negatively. I opened the credit report on XXXX, XXXX, and XXXX and saw that " Mercantile Adjmnt Bur '' opened a collections account in my name on XX/XX/XXXX for a 1 month term for {$670.00} then closed the account XX/XX/XXXX. I have received no notice on this account, nor ever have owed collections in my life. I've paid all my payments on time, have excellent credit that was XXXX before this offense. When I called the phone number of this fraudulent agency XXXX, I got a response " You have dialed a number that can not be reached. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have reported to the Federal Trade Commission Identity Theft ( reference number XXXX ) and filed a XXXX XXXX XXXX  complaint ( case # : XXXX ) as well. I have also reported this identity theft case to the XXXX Police Bureau ( case # XXXX ). I received a letter from the Mercantile Adjustments Bureau debt collector post marked XX/XX/XXXX with the utility debt ( XXXX XXXX ) created under my name and social security number for an address in XXXX, Texas. Ive never visited Texas in my life let alone lived there. I called the debt collector at the phone number provided in the letter XXXX and they informed me my dispute is being worked on. This is obvious fraud and needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is the fourth time I have requested ALL of my accounts be closed with Capital One Bank and second complaint to your office about it!!! Today I received this!!! Please make them close the account or I will SUE them for not doing so!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank sent my bank mail to my father I'm New Jersey. I have not lived there in 2 years. He obtained access to my account t and made an email for access to my account and statements. I had to go to the bank to change my address back, change my email, and file disputes. The bank eventually a fraud report and closed the account. This took several trips and calls to to the bank before any action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
Source Receivable Mangement sent me a letter on XXXX-22 claiming they were trying to collect a debt I owed XXXX  original account number is XXXX reference # XXXX in the amount of XXXX. I responded back to the company on XXXX22 asking for validation of the alleged debt you sent me back a stack of statements from the original creditor and claimed it was proof I owed this alleged debt. I sent you a letter asking for the original contract or agreement with both parties ' signatures agreeing that I would be lawfully obligated to owe you a debt you have not sent it to me as of today. Pursuant to my rights I approached XXXX and asked the following questions? Have they sold the alleged debt? they said yes. I asked to whom they sold the debt to? they said Source Receivable Mangement. I asked are they still in the process of collecting this debt? They said no since they have written it off, they are no longer in the process of collecting this debt. But in your response on the CFPB Complaint website you stated that, and I quote Source Receivable Management do not purchase or own any debt. Through the response received from the creditor I would like to inform you that your company has violated 15 USC 1692j ( a ) it is unlawful to design, compile, and furnish any forms knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is attempting to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating, your company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. Pursuant to 15 USC 1692j ( b ) any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC XXXX XXXX for each violation. If you do not remove this alleged debt off of my consumer report. I will report this to the Attorney General, FTC, XXXX and I will sue you for deformation of character and violations of the FDCPA. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone call, email, social media, or any credit reporting agencies, any further contact by your company, except a communication confirming your acknowledgment of this letter, is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: VA

Complaint narrative:
My ex wife opened a fraudulent credit card in my name and funded it with her checking account. I have already tried to resolve this issue with Discover Bank to which I have been unsuccessful. My next step is to contact an attorney to sue Discover Bank for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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 XXXX XXXX am making this complaint myself not a third party company. please do not close this complaint with out sending it to the proper places. I went to buy something on credit and noticed that there are some accounts on my report that i never signed up for so i am complaining that the credit agencies have done nothing to help me get these accounts off my credit even though i submitted a report and also a [ police report.

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was charged 10 overdraft fees in the span of 5 days, totaling {$350.00}. Months ago, I turned off my overdraft services with Wells Fargo because of the predatory nature of it. I had had many situations in which there was plenty of money in my account at the time of transaction. But the next day my account would be negative, with an overdraft fee being charged. 

This time around, I called Wells Fargo customer service and talked to a banker. I explained that I turned off overdraft services so those transactions should have declined, running through my card information. He stated that turning off overdraft services doesnt apply to recurring charges or bills or ACH payments, so me turning off that service wouldnt help with those. I asked if there was a way to stop it running on those recurring charges and he said no, that Wells Fargo doesnt offer a way around them. 

He submitted my 10 transactions into the checker and said he was authorized to give me a 25 % refund totaling a mere {$78.00} of the {$350.00} I was charged. This has got to stop. Wells Fargo is worth billions of dollars and is one of the worst banks.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays has locked my Frontier Airlines XXXX account behind a series of security questions to which I never setup answers. I was unable to login to schedule a payment until I called their support team to have my account unlocked. My account was locked because I could not log in with my username and password without answering security questions that I never setup. After regaining access to my account on a single computer, there is no way to reset these security questions, which I never setup in the first place. There appear to be 3 questions : XXXX. What was the house number of the home I grew up in? XXXX. What was the name of my hometown newspaper? XXXX. What was the name of your highschool. I have only had this card for a few months, and at no point during any registration process was I prompted to provide my answers to any of these 3 questions. I am still unable to access my account on more than one device becuase I am still prompted for these security questions that I do not have the answer to, never setup, and have no means to change. 

After speaking with their terrible offshore support and going through a process that I firmly believe 80 % of US consumers would be unable to successfully complete, I regained access to my account after performing a password reset. I paid the balance 1 day late due to this issue, but not before they charged me a {$29.00} late fee. I believe that they are likely doing this to swarms of users to make it more difficult for customers to schedule on-time payments.

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 2023-02-21 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: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX and NCA are attempting to collect an alleged debt of {$300.00} for a XXXX XXXX XXXX loan. I have not received correspondence from these 3rd party agencies when I submitted a complaint regarding the debt in question. I called XXXX XXXX XXXX directly to see if there were any outstanding loans and they said there was not any in my account. I was not informed anything about still owing a debt wether it was sold or not. I was specifically told that there was no debt. I need the {$300.00} collections account to be removed off of my credit file immediately. Calls can be traced and I am not at fault for any misinformation. I think an email may have been typed in wrong when I sent in my first complaint. That was regarding XXXX XXXX and the text messages I have received from them for the same debt. NCA is being reported on my credit file and I am being contacted by XXXX XXXX. Both companies are now aware of this complaint and I will resubmit another to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My issue is When My mortgage company helped last I did not have enough in my savings, at the time I was rebuilding and finally getting back on track, I have been at same job which I've been at over 18 years after the COVID-19 pandemic which affected me. During covid-19 I was also medically diagnosed with XXXX and XXXX, but I kept working as much as I could trying to make a way.The first mortgage payment of the modification was due 4 days after they did the modification and notified me was final in XXXX of XXXX which I complain to them about that.!, They then gave me a forbearance until XX/XX/XXXX and told me I can fill out another hardship application. The modification was under the federal program, FHA COVID-19 modification. When they did this my mortgage was raised to a higher amount. The reason they stated was the higher interest rate they gave me and escrow shortage which I was not aware of has taken effect as well. My old interest rate was 3.75 % then it went to 5.5 % on top of the so-called escrow shortage. This caused my mortgage to go up over {$310.00} a month And the old total balance of the loan went back to where I almost started 14 plus years ago since they added money back on the back end after doing the modification..., so I had to readjust again. During this time to the present Ive Been paying what I could from my job and took out money from my 401k several times under The terms hardship withdrawal which I owe taxes for. My 401k is depleted now. This is the reason why I'm not too far behind currently. As of right now I'm working with Michigan mihalf program. To get delinquent amounts current, wish they have promised to get me current after providing all documentation. but I still have the high interest rate, that doesn't make sense.. This interest rate has made my mortgage over {$310.00} difference.. I have been in my home since XXXX, and this is the highest I ever paid. Don't understand why I got hit with a high interest rate during COVID-19 when I'm trying to get things together and it was supposed to be a COVID-19 modification program provided by FHA which is supposed to help through the federal government. Michigan, XXXX program told me contact you.. I am a single full-time dad.

Company response to consumer: Closed with explanation