vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I returned from a trip on Monday, XX/XX/2023. Waiting for me was a check I had been waiting on for a month at this point. I decided to make a mobile deposit since I was too tired from my flight to leave the house again and it was a friend 's birthday either way so I prioritized celebrating with him for the remainder of the day. My app said it would be available on Thursday. It didn't help that I had a slew of obstacles in that week coming up to Thursday but when I woke up, I had the intention to pay my credit card bill and pay people for our upcoming trips. Unfortunately, I couldn't transfer money between any of my accounts. I couldn't send money to anyone. I couldn't use my debit card for anything. I called my bank to find out they put a restriction on the account because they wanted to further verify the validity of my check or whatever. They questioned where the check was from even though it was right there on the label. I probably called them XXXX times trying to get them to resolve this but they kept calling a number I told them repeatedly was dead. I got the check from an annual event so whatever they were finding was likely unmonitored but speaking with the CEO themselves, they told me that number was dead and the address they're finding was old as well. The CEO gave me his number saying tell them to call him and even put it on the official website with a notice telling them directly to call him but they refused claiming their system doesn't allow them to call " unregistered '' or " no good '' numbers. The issue is, with almost every rep, there was a slight shift in how each one spoke to me. The first person asked if I had a mobile number he could call for the business and at the time I didn't. When I got one, suddenly they couldn't call personal/mobile numbers, it had to be in a registry. When I asked what number they found, they gave me the full numbers they found and were using. When I hung up and spoke to the CEO about changing numbers and then called the bank back, now they couldn't give me the full number and only could give me the last XXXX digits of the number they were using. I eventually stressed out with a large headache and feeling defeated just stopped trying because I could feel my head swelling. I was going to use some of this check to deposit into my savings as it's had a low balance for a while as well but that account was closed since it had nothing left. My bills and upcoming trips are in jeopardy now because a bit of money is stuck in that account and more money that was sent to that account I now have to wait to bounce back. One of them is a direct deposit as well so I'm not sure if it'll be stuck in limbo or actually return and come together on the next payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought a Toyota XXXX. XXXX is a hydrogen car that Toyota sells with a discount, a state rebate, and a {$15000.00} fuel card. 

This fuel card was characterized to me as having 150 fill-ups while the price of hydrogen went down. That was the way for Toyota to incent the car purchase and protect the buyer from high fuel expenses. 

At the time, the card 's value was {$15000.00}, the price of hydrogen at the time was {$18.00} per Kilogram and the car 's tank had a capacity of XXXX Kilograms. So it was pretty close to XXXX tanks. They even claimed it could get close to XXXX miles of fuel. 

Since I bought the car, the price of hydrogen has not gone down at all. In fact, it has more than doubled. There are XXXX people in the state of California on the same boat. The number of tanks the fuel card holds has gone down by half, the car 's value is intimately tied to the card, and Toyota does nothing to at least make folks whole. It's a double financial whammy. The card 's value is halved, and the car 's trade-in value also keeps going down. Toyota is the single larges customer of this fuel in the state of california and its actions have an impact on every other player in the market. 

The real shame is that it's likely the hydrogen infrastructure will collapse, and the car be worthless. Yet, I still owe Toyota {$30000.00} for a car and a card whose purchasing value went down {$7500.00} in a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I noticed this fraudulent account on my record, I have never had a car loan until recent. I just recently got my driver license. I am a victim of identity theft I noticed this account back XX/XX/2022 and than I contacted the police for help and they stated I need to dispute with the bureaus and I have but they aint any help. 

This is hindering my consumer report. My next step is going through litigation I truly dont wont to sue but at this point this is the only way they will listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These unknown hard inquiries were placed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
These unknown hard inquiries were placed on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: FL

Complaint narrative:
My purse was stolen from my locker while I was at the gym. I have been explaining that I have not applied for the companies that is listed on this report. Please remove these inquiries from my credit report. A XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2023-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I had a credit card charged off and first source advantage bought the debt. And also XXXX XXXXThey  sent me emails for about six months to pay the debt off, but at a discounted rate of {$590.00} versus the original amount of I believe {$740.00} so after six months I finally come up with the money to pay the discounted amount. I pay the {$590.00} in full with my debit card on XX/XX/2023 to firstsource advantage and then I dispute it on XXXX, XXXX  and XXXX only to have the credit reporting agencies say I still have a balance of {$140.00}. If the offer was for a reduced amount then why do I still have to pay the balance I feel they were sneaky and misleading with what I owe and the amount they were willing to settle for

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2023-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a account on my credit that is reporting inaccurate information. I submitted several disputes to Equifax for inaccurate information and the next day they close the dispute for accuracy info.I have reached out to the creditor several times and was advised I do not have a account or balance. This is in regards to XXXX XXXX XXXX which is now owned by XXXX XXXX XXXX. On XXXX I asked to speak with a XXXX at Equifax and spoke to XXXX ID Number : XXXX. I asked XXXX what is the name of the creditor who they are sending the information to. XXXX advised XXXX XXXX XXXX I advised XXXX they are not conducting a honest and thorough investigation because XXXX XXXX XXXX is now owned by XXXX XXXX so they never conducted a investigation, the went off of what was report and never reached out to the lender. XXXX advised that I go make a police report for identity theft. This is very absurd that I have to go all these measure, but when I reached out to XXXX and XXXX this account was removed within a hour being that they actually did their job and confirmed the information I submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX is the loan servicer for my loans and they have filed a 1099c IRS form and never sent me the copy i was suppose to receive. They are also reporting to the credit reporting agencies my transactions and they are not suppose to be reported per USC 15 1681 ( a ) -2. I have called and tried to speak to someone and as usual they keep you on hold until the phone hangs up or you hang up. I would like to do whatever it takes to not only get this situation corrected properly, but to also make other unsuspecting borrowers aware of the service you will receive with them.

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 2023-08-25 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: DE

Complaint narrative:
My consumer rights have been violated for the last past year I've been disputing an inaccurate account # XXXX XXXX XXXX XXXX. 

Account # XXXX This account has multiple violations however they failed to put in a comment section on my consumer report that it has been disputed. This is a violation of the FCRA. 

Please delete this Account Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I received my loan statement XX/XX/XXXX, my principle balance was {$720.00}. On XX/XX/XXXX I made a payment of {$250.00}, {$240.00} went to my principle balance. I checked my account again on XX/XX/XXXX and my current balance was {$820.00} and accruing interest charges base off that amount. I notified UAS/XXXX XXXX of the mistake on XX/XX/XXXX to which they replied they were waiting on an account specialist to advise them on what to do, I requested documentation of the additional charges on my account. On XX/XX/XXXX they emailed me a copy of the loan details that did not indicate any fees or charges that justified the increase in the current balance. I restated the issue and asked for documents supporting this increase and asked they review my statement from XX/XX/XXXX and compare the current balance available with the principle balance on my statement ( {$720.00} ) and the payment ( {$250.00} ) applied to the account on XX/XX/XXXX. On the XXXX I checked my account again and the principle balance was {$730.00}, I emailed requesting an explanation and restating that the amount was still incorrect. I issued another payment of {$250.00} on the XXXX, an additional {$240.00} was applied to the principle balance. Today, XX/XX/XXXX, I got an email from UAS stating they had made a slight adjustment to my account and claimed " the rollback/roll forward and missing accrued interest recalculation from XX/XX/XXXX is what caused the balance to change. ". My current balance as of XXXX CST was adjusted to {$570.00} which is still the incorrect amount. I have emailed them multiple times today informing them that the new balance only takes into account {$250.00} of the {$500.00} I have paid this month on my loan. They claim the current amount of {$570.00} is the correct amount due. I informed them that based off my principle balance and my payments that is incorrect because {$720.00} subtracted by {$480.00} does not equate to {$570.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TN

Complaint narrative:
I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Almost 13 years been a customer at Comenity/Express . Never late, always managed my account superbly. After having a XXXX balance, on XX/XX/13, I made a purchase and that same day Comenity/Express erroneously reduced my credit limit from {$2900.00} to {$100.00}, citing bs from my credit report. I have XXXX lates on my credit report, have managed all my accounts superbly as well. Now, the new credit line is less than 25 % of what my balance is, which will have a negative impact on my credit score because it shows I can not manage my credit. I demand that Comenity/Express restore my credit line back to my original {$2900.00} and send a written apology. This is predatory lending. There needs to be more oversight over these banks that are ruining perfect consumers credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2023-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was approved for a loan modification at the same rate I have been paying. I was told not to make a payment until the papers were notarized. The company lost documents making this process take longer than should have been. I was then told a completely different timeframe to pay which put me one month behind on the behalf of Wells Fargos misleading information. Wells Fargo refused payment and forced me into a higher payment as well as higher interest rate.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I submitted a dispute to Transunion in regards to an axcount on my credit report that is not mine. The investigation took less than 24 hours and i was notified they found the infornation to be corrext. Please tell me how in less than 24 Hours you found this infornation to ve true just how did you come to that conclusion? I reported that a woman named XXXX XXXX has been using my identity. Nothing can connext me to that account. I want ifixed and for Transunuon to do thier jobs coreecrly.

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 2023-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
As of XX/XX/, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.

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 2023-08-25 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: EQUIFAX, INC.
State: IN

Complaint narrative:
As of XX/XX/2023, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: NV

Complaint narrative:
Ever since a wrongful evection XXXX of XXXX, the merchant known as Direct Express and there employees have been making using my XXXX funds a nightmare. I am unable to use my card as I wish. And I am being subject to dishonest lobbyist and jaded business owners in the community.

Company response to consumer: Closed with explanation