vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I purchased a vehicle from a dealership ( XXXX XXXX Auto Mall outside XXXX Ohio ) at the end of XXXX. They sent a payoff check to Toyota financial services in the amount of XXXX. The first check they sent ( XXXX ), XXXX stated they didnt receive and requested the dealership stop payment and send a new one. So they did. The second check ( XXXX ) was cashed on XX/XX/XXXX. I have a photo copy of the cashed check, both front and back to show where it was endorsed, as well as the bank statement from the dealership showing it cleared their account. The dealership stated the check is part of an 8.5x11 piece of paper where the check is perforated and the customers name and account number are in the bottom half of the page. I started receiving late notices in early XXXX and contacted XXXX to tell them the check had been sent. They stated the check they attempted to cash ( XXXX ) had insufficient funds. Which is impossible because as I mentioned, I have proof it was cashed and cleared the bank. For 6 weeks now XXXX has been denying receiving payment. In turn, this has now hit my credit report as a delinquent account as well as my fathers as he was a co-signer. I was told on XX/XX/XXXX day by a customer service rep named XXXX that they had in fact found the check and determined that they cashed it but didnt know whose account to apply it to. So instead of calling the dealership to confirm what account this payment should have been applied to, they cashed it, took the money and went on with her day. I have now been waiting a week and a half for it to be applied to my account and for it to be settled. I will then have to dispute this with creditors and HOPE my credit can recover. XXXX has been incredibly unhelpful during this process and I personally think this is borderline fraud. They are taking money for themselves and not applying it to accounts appropriately. They should have DENIED the check if it didnt have proper touting/account information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There is an account reporting on my credit report that does not belong to me and I am not responsible for the account. The account is ( XXXX ). THE ACCOUNT IS REPORTING AS CLOSED AND IT DOES NOT BELONG 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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: CA

Complaint narrative:
Hi Consumer Financial Protection Bureau ( CFPB ). My SoFi Money account has been frozen since XX/XX/XXXX. Today is XX/XX/XXXX. IT HAS BEEN OVER 90 DAYS, AND MY SOFI MONEY ACCOUNT IS STILL FROZEN. My account balance as of XX/XX/XXXX is {$4400.00}. Numerous calls have been made to SoFi, but no one is able to help me. My account is still frozen. It should NOT take this long to resolve any issue if there is any issue with my account in the first place. I want my SoFi Money account unfrozen and to have access to my money immediately. Feel free to contact me if you need my name, account number, or any other information. Please help me resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: DC

Complaint narrative:
On XX/XX/2020 i sent letters to Equifax, XXXX and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/16, at XXXXEST, I received the following voicemail message : Hi my name is XXXX XXXX ___ firm I'm a courier I was just calling to make you aware of that at this point we did make our final delivery __ times of your legal document at this point if you wanted to make arrangements to receive this information you would need to contact the filing party they can be reached at XXXX again the number is XXXX Please see the attached audio file. 

There was NEVER any lawsuit. This is a blatant attempt to mislead. The phone number is listed as belonging to XXXX XXXX XXXX XXXX XXXX XXXX. 

I believe this call to be in regard to a XXXX Credit Card, I am alleged to have used with Comenity bank as listed. As this agency also called my employer, and family several times. 

I deny this debt and any responsibility to pay in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021 I got a mail from PayPal having the subject line : We need some information regarding your PayPal account ( Ref ID - XXXX ). The email read that I needed to provide some documents and my account is limited and I won't be able to send payments or withdraw my funds. 

On XX/XX/2021 I provided them the requested documents that included supplier information and invoices and tracking numbers for some transactions. I also made a call to them and told them that we are the XXXX  also and I have been assured on a call that it is a routine thing and it will be resolved once the information is provided. 

On XX/XX/2021 I got an email with the subject line : You can no longer do business with PayPal ( Ref ID - XXXX ). 

On XX/XX/2021, I made a call to PayPal Customer Service and asked the reason why my account got permanently limited. The representative said that she can't tell me the exact reason but it is due to insufficient/mismatch information that I provided. If so they should have asked for more or specific information rather than ending the +3 years relationship in a single go. 

I have been using PayPal for the past +3 years and the only change occurred was that I started receiving payment on behalf of my relative for an XXXX XXXX account. 

I am stuck in my native country due to COVID-19 SOP 's and doing the business from here. 

no explanation, no resolution to fix the permanent limitation they placed on my account. How is that even fair that they are holding my 7k+ funds till 180 days. I need to pay my employees and suppliers. 

I am happy to make changes in my business model if I only get some specific information about what triggers PayPal to limit my account permanently. 
Either I need my account to be restored or I need my funds to be released ASAP! 

Waiting for the timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As you know reporting inaccurate information on my report is against the FCRA and if you do not have any written information to where it shows my consent to do this I ask you remove it immediately. 
Us Dept of Ed XXXX {$1200.00} Us Dept of Ed XXXX {$3400.00} Us Dept of Ed XXXX {$4800.00} Us Dept of Ed XXXX {$5300.00} XXXX XXXX {$0.00} As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately i can not gain in my life its really slowing me down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MI

Complaint narrative:
As you know reporting inaccurate information on my report is against the FCRA and if you do not have any written information to where it shows my consent to do this I ask you remove it immediately. 
Us Dept of Ed XXXX {$1200.00} Us Dept of Ed XXXX {$3400.00} Us Dept of Ed XXXX {$4800.00} Us Dept of Ed XXXX {$5300.00} XXXX XXXX {$0.00} As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately i can not gain in my life its really slowing me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My money has been stolen, Amount of {$6200.00} on XX/XX/2021 ( XXXX ) XXXX  from XXXX ( Case # XXXX ) Dear Sir/Madam When i was log in my coinbase account, i saw unauthorized transaction inside my account. I had USD ( XXXX ) in my coinbase account that someone used to buy /converted in XXXX ( XXXX ) WITHOUT MY PERMISSION THEN SENT TO NEW XXXX ADDRESS THAT I DONT RECOGNIZED. 
When i was logging in, i saw that pending transaction IN front of me in my account, i called coinbase number XXXX XXXX XXXX XXXX XXXX more then 5 times, no one answered my call and there is no support so unable to get help to stop this transaction right a way. 

Still calling them, they don't pick up phone, i emailed asking support/manager/supervisor/staff member phone and asked them to call me to address issue over the phone but they neither called me yet. 

I have sent email, They locked my account .received email back.in reply, they advised me to changed password, download security on device and talk with mobile provider for sim security then inform them to unlock my account. I follow all procedure but account has been locked, no access yet. 

Now i need to pay my bills, i need my all funds back as soon as possible. Please help. 
I was using authy  as 2 step account security as well .Its not easy to stole money from my account due to security layer ( Password+2 step authentication ) i don't authorize any transaction that happened on XX/XX/2021 after XXXX XXXX Texas time . 

Hello coinbase admin, Please do not advertise coinbase is secure hub for transaction. 
refund all my money that stolen from your account asap. 
Company needs customer service phone number that we can contact you. 
Waiting my account access back with my all funds as i leave in your financial institution in usd ( Not in XXXX ) Please note that, same time there was another unauthorized transaction happened but funds still available ( someone converted all my XXXX to XXXX, as well, that was not by me ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: KY

Complaint narrative:
There is an inquiry reporting on my credit report from ( XXXX ) from the date ( XX/XX/2020 ) that does not belong to my. It is an error. The company has agreed and has asked the credit bureaus to remove the inquiry but it is still showing on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: UT

Complaint narrative:
SoFi offered a {$50.00} new account bonus and I opened an account via the dedicated landing page on XX/XX/XXXX and fulfilled all terms of the offer on the same date. The terms of the offer required that I deposit {$500.00} and that SoFi would add {$50.00}. 

SoFi did not credit {$50.00} to my account but instead credited {$25.00} on XX/XX/XXXX. 
I contacted SoFi 's customer support on via chat or about XX/XX/XXXX regarding the discrepancy and was told that the {$25.00} was for an unrelated promotion they were running and that the {$50.00} would be in my account within a couple weeks. 
On XX/XX/XXXX I against contacted SoFi customer support via chat and was told that the customer service agent would create a ticket for the issue and that the {$50.00} would be in my account within 10 days. 
On XX/XX/XXXX I again contacted SoFi customer support, this time via phone, and was told that a third party I have never met needs to complete a W-9 before they will credit my account the {$50.00}. Or at least that " might be the problem '' but that I would need to call back the next day to find out more. The contract offered to me by SoFi via their website makes no reference to my needing to gather information or other deliverables from any other party in order to receive the {$50.00} and if I had known that SoFi was seeking my assistance in completing their compliance paperwork for another individual I would never have opened the account or transferred any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Someone fraudulently used my Comenity Bank Visa card for almost {$400.00} last XXXX, and they wouldn't reverse the charges even though I have a case # with the police, so I stopped making payments because I didn't owe this money. They just called my brother about this debt that I don't owe because someone stole my card #. I have a police report and case number for the fraudulent charges as well as another case # for a home robbery that occurred at the same time. A detective said the cases were likely related and would be rolled into one case. In spite of all this, Comenity bank wouldn't reverse the charges and is now harrassing my brother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS 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 2021-01-21 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: GA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CITIBANK, N.A.
State: PR

Complaint narrative:
As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of Best Buy ( Citibank ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XXXX 2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from Best Buy. I proceed to call Best Buy and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to Best Buy on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: DHI Mortgage Company
State: WA

Complaint narrative:
I was alerted of an inquiry on my credit report which I did not approve. 
I closed a new mortgage loan with DHI Mortgage on XX/XX/XXXX and there is NO reason why they would need to pull my credit again, much less without my permission. 

I spoke with someone at their Loan Servicing Center and was referred back to the corporate office. I have left messages but no call back. 



These lenders have accessed your credit file : XXXXDHI MORTGAGE LTD Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX., XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
I have no knowledge of this debt. It does not belong to me, yet it has been listed on my consumer credit report causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: ID

Complaint narrative:
I put in a complaint on XX/XX/XXXX Complaint Number XXXX which states as follows On XX/XX/XXXX I sent a letter to XXXX, XXXX and XXXX about ARS XXXX with a follow up on XX/XX/XXXX and XX/XX/XXXX. I have yet to get anything from anyone but XXXX which was only a letter with the total charges coming to {$1000.00} but my credit report lists a total of {$510.00}. No information of the first delinquency provided. I have also reached out directly to ARS to verify the account is mine and along with what the charges are for on XX/XX/XXXX and have gotten no response about this debt. 

ARS responded on XX/XX/XXXX stating they sent me a initial validation notice on XX/XX/XXXX which again I never received and they didnt respond to any of my letters they also stated they did on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They sent no attachments on the complaint as proof and then I received numerous letters which I have also attached here where they now have a validation notice that is dated XX/XX/XXXX and then another letter dated XX/XX/XXXX and XX/XX/XXXX saying it was verified. 

Obviously this company is making false statements and also not providing the correct FRCA compliance date to the Credit reporting agency or giving me any information on how this is mine or what the charges are for.

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