vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
In XXXX I was involved in a car accident, resulting in a total loss of my newly purchased Toyota XXXX. According to the total loss settlement, my car insurance sent a check to pay off the loan to the lienholder, Toyota Financial Services, in the amount of {$34000.00}. The check was delivered on XX/XX/year> and scanned into the Toyota Financial Services system on XX/XX/year>. As of today, XXXXXX/XX/year>, the loan is still active and the check from my insurance has not been processed into my loan account. I have called Toyota Financial Services customer center several times since XX/XX/year> for updates on when the check will be processed. The dates I called Toyota Financial Services customer service team are listed below : XXXXXXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXXXX/XX/year> XXXX ( 3 times ) Every time I called, I was told the same scripted, routine message from each representative, that " Toyota Financials are experiencing delays at this time. '' When asked to speak to a supervisor or person in charge I was told " A supervisor can not provide you with any other additional information than what I am telling you today. '' They then proceeded to tell me that they put an " alert '' on my account so someone can resolve my issue in a faster manner ( normally within 2-3 business days ), and that I should call back. Every time I called back, I was given the same answers with no additional information. On XXXXXX/XX/year> I involved my attorney, and they gave her the same response as well, resulting in " call us back in 2-3 days. We normally have checks processed within 35 days. '' This last information was given by a representative by the name of XXXX. It is now XXXX, 60 days since the check was processed, and my loan has not been paid off with no additional information regarding my account. I was advised by the Toyota customer service team to stop my monthly payments, and that it would not be counted against my credit score since my car is deemed " Total Loss '', but I recently received an email stating that I missed a payment, and I am afraid that this is going to affect my credit score. I am unable to purchase another car until this loan is paid off, and my loan is still active and accruing interest. I took the advice of the customer service representative and did not make a payment in XXXX. On XX/XX/XXXX, I received an email from Toyota Financial Services alerting me that I missed a payment even though I was instructed not to pay, and I also received a letter that was dated on XX/XX/XXXX instructing me not to make payments. I am not getting any further help from their customer service team, which has resulted in me having to take further action and contacting the CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank sent me pre-approval offers for two credit cards at different dates in XXXX. These cards were issued with {$15000.00} and {$17000.00}, for my 1st two accounts. I have made timely payments to these accounts each month, have paid over the minimum payment due, and had not used 50 % of these credit limits. The bulk of the credit on these cards were from balance transfers from other cards because of the promotional balance transfer offers Citibank promoted to lure me into opening the accounts. My credit score was already over XXXX and I had all timely payments on my credit reports with several XXXX balances, on my way to building a better credit portfolio. In approximately XX/XX/XXXX Citibank offered a pre-approved Costco XXXX, which I was approved for, with a {$5000.00} credit limit. Two months later, Citibank reduced the credit limit on my 1st two account by by thousands of dollars, putting me at a 99 % credit usage on each of those accounts, which adversely impacted by credit and FICO score. Their reason was based on XXXX, per their notice. I ran my credit report from all three agencies. XXXX shows all accounts paid on time and nothing negative on any accounts. Citibank practice is misleading, unfair, and has caused injury to my credit that I have worked so hard to improve. I have two inquiries that are over 1 year old and 2 that are current. There is nothing negative on my credit report. I want my credit limit restored on my account and Citibank to be held accountable for their deceptive practices..

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 2024-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband and I were residing at XXXX XXXX XXXX XXXX, we had financial difficulties due to a high risk XXXX XXXXXXXX. Wells fargo did not work with us. We found buyers the week before the sale and wells fargo declined the offer, foreclosed on our home and sold the home after our home was foreclosed to the same buyers who offered to buy it. We lost our home and was forced to vacate with XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contact number is 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 explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received balance transfer checks advertising 0 % ( promotional APR through billing cycle that ends in XX/XX/XXXX. When the promotional period ends i would be charged 27.49 %, the standard APR. 
to use the check, and obtain the 0 %, i needed to pay 5 % flat fee for the amount. 
i used a check for {$15000.00}, was charged {$750.00} and am still being charged interest on the {$15000.00}. 
In XX/XX/XXXX i had an {$810.00} charge i changed to pay over time, offered by Chase, also paying a monthly fee. I have {$67.00} left on that charge. 
When i called about the interest being charged they told me that because i had a pay over time charge in progress, i didn't qualify for the 0 % interest on the balance transfer. 
i told them i would pay off the balance of the card, but i wanted the {$750.00} ( 5 % flat fee refunded ). 
they said this was addressed in the credit card terms when i first opened the account, obviously in fine print and a trick. I would like to not be charged interest or have the {$750.00} flat fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My complaint is about the Navient settlement. I was a borrower with loans that they misled, mismanaged and mishandled for years and somehow I am not included in the CFPBs Redress???? Thats ridiculous! I have plenty of proof of their tactics via emails and paperwork that I kept from XXXX where they never mentioned anything except Forebearance and Deferrment on top of having me pay them an ungodly amount of money each month to rehabilitate my defaulted loans and yet those payment seem to not exist in their records but a consolidation that I never agreed to is in there. Im the poster child for Redress! Once again, I am lost in the shuffle and wont get any relief from any of these student loan issues Ive had for 25 years. Heres to being saddled with XXXX in debt from a XXXX loan, and they say usury loans are illegal. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX SSN:XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, Pa. XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made my payment before the due date and the company rejected it, I notified them about the problem with the payment and they would not remove the late fee or interest. I then received a letter in the mail stating that my payment was rejected by them and customer service still will not remove the fees. They reported me to the credit reporting agency 's and now my score is XXXX points lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Why reviewing my consumer report I notice two fraudulent accounts on my consumer report. At that time I contacted the credit bureaus disputing these accounts. The credit bureaus are in violation of the following consumer laws.

1-U.S.C. 15 1681 SECTION 602 ( A ) 2-U.S.C. 15 1681 SECTION 604 ( A ) 3-U.S.C. 15 1681 e SECTION 607 Furthermore these disputes were filed over 30 days ago, and I have received no responses from them this is another violation per the F.C.R.A. AND THE F.D.C.A

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Why reviewing my consumer report I notice two fraudulent accounts on my consumer report. At that time I contacted the credit bureaus disputing these accounts. The credit bureaus are in violation of the following consumer laws.

1-U.S.C. 15 1681 SECTION 602 ( A ) 2-U.S.C. 15 1681 SECTION 604 ( A ) 3-U.S.C. 15 1681 e SECTION 607 Furthermore these disputes were filed over 30 days ago, and I have received no responses from them this is another violation per the F.C.R.A. AND THE F.D.C.A

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, my Cash App account was suddenly banned without prior notice or explanation. I have been a responsible user of Cash App for over 2-3 years and have never violated any terms of service. I rely heavily on this account for financial transactions, and the ban has left me unable to access my funds. 

Since the ban, I have contacted Cash App support multiple times to resolve the issue. I provided all relevant information, including transaction details and account verification, but I have not received any clear explanation or assistance from support. Despite my efforts, they have not restored my account or explained why it was banned. This lack of communication and the inability to use my funds has caused me significant inconvenience and financial hardship. 

I am requesting that Cash App provide a clear reason for the ban or restore my account. I would also appreciate a review of their customer support practices, as I have not received sufficient assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding the inaccurate reporting of an account named XXXX on my credit report. TransUnion is reporting this account as a profit and loss write-off, which is incorrect.

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both TransUnion and XXXX. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family. 

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against XXXX regarding the inaccurate reporting of an account named XXXX on my credit report. XXXX is reporting this account as a profit and loss write-off, which is incorrect.

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both XXXX and Equifax. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family.

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. These inquiries are not a result of any actions or credit applications initiated by me, and I believe they were added to my report in error or without my consent. 

I have already contacted the credit reporting agencies and the companies responsible for these inquiries but have not received satisfactory responses or resolution. As a result, I am seeking your assistance in investigating this matter further and removing the unauthorized inquiries from my credit report. 

XXXX XXXX THD/CBNA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWayfair XXXX XXXX XXXX there is a total of 11 inquires

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