vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion has been reporting income on my consumer report for the last XXXX  months. It has damaged my ability to obtain a home. A charged off account is income and violates 15 usc 1681a ( 2 ) ( A ) ( I ) of the fair credit reporting act. Income must be excluded from my consumer report. I am requesting a 1099C form for proof of charged off account. Your credit reporting agency has spoiled my reputation and my ability to obtain a loan for a home by reporting a billing error on my consumer report. I do not agree.

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 2021-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting income on my consumer report. I have not given written consent nor do I agree with reporting a charged off account that should be excluded from my consumer report pursuant 15 usc 1681a ( 2 ) ( A ) ( I ) of the Fair Credit Reporting Act. I am requesting to see a 1099C due to reporting a billing error of a charged off account. 
Delete immediately or you will be civilly liable pursuant liable for damages caused by your credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-14 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: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Starting balance for XXXX XXXX vehicle was {$32000.00}. According to the Toyota sale contract, my interest rate is 6.99 %. XXXX was the first month I needed to make a payment in the amount of {$540.00} with {$320.00} going into principal payment and remaining into interest. I made two ( 2 ) additional principal-only payments in the amount of {$4900.00}. Payments for these two principal payments of {$4900.00} were posted on XXXX and XXXX. Toyota financial incorrectly added an interest fee on XXXX for the amount of {$5.00} and an additional interest fee for the 2nd payment on XXXX in the amount of {$4.00}. I had to call both times to have them correct the mistake of the interest charges which the entire dollar amount should have been towards the " principles only payment '' as I explained when I made the payments over the phone. 

According to a billing dept rep that I spoke to at Toyota financial, I should only be charged {$3.00} daily for interest. 

Base off my calculation, my current balance should be {$22000.00} not including the {$3.00} daily interest charge. 
My account history statement shows a starting balance of {$32000.00} on XX/XX/XXXX. I don't understand how my current balance is now {$22000.00} as of XX/XX/XXXX. If the daily interest fee of {$3.00} is applied daily, the total cost should not have went up too {$22000.00}, the calculations do not match. 
I have tried contacting toyota dealership for an explanation multiples times and have been unsuccessful.

I requested an amortization fee schedule to justify what hidden fees toyota is charging me and to explain the daily interest daily fee but have been unsuccessful in obtaining the document to break down the charges. The 3 times I requested the amortization fee schedule charges, they provided me with a cover letter only, not giving me a breakdown on what fees they are charging me for. 
It seems like they are overcharging me with hidden fees and no one is able to justify these charges at Toyota financial. 

Can someone please help me out. 
thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CarMax, Inc.
State: LA

Complaint narrative:
Carmax XXXX XXXX is reporting a billing error. You can not report income on a consumer report and it must be excluded pursuant 15 usc 1681a ( A ) ( 2 ) ( I ) of the Fair Credit Reporting Act.. A charge off is a loss or expense. I am requesting to see proof of a 1099C form. Reporting unfair and inaccurate information on my consumer report has ruined my reputation and violates 12 cfr 1022. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: CA

Complaint narrative:
My checking account with Eastwest bank was closed this XXXX, due to reason of inactivity, according to the bank. It's a questionable action from the bank in the first place, since this account has regular activity. 
After that I received a email from the bank asking me to provide ways of receiving remaining funds in the closed account. I replied the email, asking them to send a check to my mailing address. Since then I have contacted the bank several times, and still hav n't received the funds yet.

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 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
They constantly call from different numbers and when I dont answer they dont leave voice messages, the text me all types of morning and night trying to deceive me to clicking on a link via text. Someone by the name of XXXX emails me multiple times a day. Its really harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
I am complaining against Kraken, a Registered E-Money Service Provider, for misconduct that manifested in the breach of duty of care. On or about XX/XX/2019, I entered into an investment contract with XXXX XXXX using my XXXX XXXX XXXX account to transfer XXXX XXXX. I transferred my hard-earned money under the instructions of the fraudsters, thinking that I am engaging a legitimate investment firm, however, XXXX XXXX have taken my funds and failed to repay the money to me upon request. Enclosed you will find a letter with detailed information about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CARD Corporation
State: GA

Complaint narrative:
First travel had a cent authorization the card com block my card and left me stranded on the weekends there office was closed and charge me almost XXXX and file dispute notify them pertaining XXXX authorization of refund so showing proof still claim the bank is disgusting and constantly ripping me off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: CA

Complaint narrative:
I am being reported to credit bureau negatively for a collection from XXXX XXXX XXXX XXXX for a debt of {$1300.00} that was paid by XXXX. The company refused to delete the account from my credit report. I don't owe this debt as I had XXXX XXXX XXXX  and XXXX coverage at the time of service.

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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 

XXXX. ) Identity Theft SXXXX Date of inquiry : XX/XX/2021 This is not mine.

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 2021-12-14 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: CT

Complaint narrative:
I sent a request of verification concerning a unauthorized inquiry i demand full verification and process of verification under the guidelines of the FCRA and my request has not been met in a timely manner according to the FCRA it has been way over 30 days and according to the FCRA that item must be deleted if not verified within a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I'm was charged an overdraft fee on a maintenance fee. Charges that day were XXXX check cleared, an overdraft fee on the check, a maintenance fee, an overdraft fee on the maintenance fee.

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 2021-12-14 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC

Complaint narrative:
I Checked my credit like I always and looked and seen that there was inquiries on my credit that I didn't authorize so I emailed the company and they said I gave the permission through a phone conversation that I never had with them I have fraud alert on my consumers report for reason like this because I know somebody used my identity and it wasn't me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MD

Complaint narrative:
Every month Since XX/XX/2021 I have disputed inaccurate public record information and equifax either ignored my disputes, lied regarding the validity and also admitted their investigation was fraudulent. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family friends, Congress never said you can buy bundled data electronically and that makes it accurate. Equifax never investigated the data they placed on my personal report thats completely harmed and hindered my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. So, I did their job for them. I investigated and attached is proof that equifax has violated me for years and Congress states I am owed damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and Santander was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Every month Since XX/XX/2021 I have disputed inaccurate public record information and experian either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Experian never investigated the data they placed on my personal report thats completely harmed and hindered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, I did their job for them. I investigated and attached is proof that Experian has violated me for years and Congress states I am owed damages. No courts disclose information

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 2021-12-14 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: MO

Complaint narrative:
I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX  was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.

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 2021-12-14 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: CL Holdings LLC
State: MO

Complaint narrative:
I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to Jefferson Capital in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Every month Since XX/XX/2021 I have disputed inaccurate public record information and transunion either ignored my disputes or lied regarding the validity. Never providing the inquired investigation proof by law I am entitled to. By federally law an investigation of any alleged accounts must be a personal investigation, neighbors, family and/or friends. Congress never said you can buy bundled data electronically and that makes it accurate. Transunion never investigated the data they placed on my personal report thats completely harmed and hindered my well being and my childrens well being. So, I did their job for them. I investigated and attached is proof that Transunion has violated me for years and Congress states I am owed damages. No courts disclose information

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 2021-12-14 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: KY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services.  I am demanding these accounts to be removed as I did not authorize or open these 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 explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Florida governor has made a referral to the Florida Department of Revenue for possible tax fraud. The Florida Department of revenue is out millions on intangible & stamps taxes since 2008. Lenders have been evading taxes due on the loan modification increase in the billions nationwide. This is the biggest tax evasion scam ever by financial institutions, Select portfolio is one of them. When regulators walk into your places of business and ask to see your loan modification files from 2008 and forward I know we are going to find jackpot. BTW, if you record the loan modification the FBI will come after you for public corruption. you illegally recorded the loan modification on an unrelated case and the matter is being investigated. XXXX XXXX not accept loan modifications not notarized, why? because they required the original notarization. The loan mod reflects it was not notarized therefore you are barred from recoding it. Select portfolio you are a fraud and should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these 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