vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and I have not received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX {$0.00} XXXX XXXX {$540.00} XXXX XXXX {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: MT

Complaint narrative:
XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. XXXX year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Financial keeps badgering about my XX/XX/2021 payment for XXXX which I owe. 

I paid {$190.00} on XX/XX/2021 and I paid {$300.00} on XX/XX/2021 The Payment for XX/XX/XXXX was for XX/XX/2021, which Ally Financial is not applying to my account ; causing my account to appear as if I did not pay for XX/XX/2021. 

Altogether I paid : XXXX XXXX [ XXXX ] which is 2 months payment in XX/XX/2021 and now they are demanding {$130.00} more.

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 2021-11-23 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: TX

Complaint narrative:
I am filing a complaint under the violation of my FCRA right and Fair credit and reporting act. I have requested numerous times for a full validation and their right to collection so I can validate of this account. I am not aware of this account and demand proof. I have sent numerous letters by certified mail with any result or proof. If you can't provide the company right to collect, please remove this information from my account as its has hampered my financial needs. Please show with XXXX co vendor you used to collect this information as I take my privacy seriously and have opted out all XXXX party vendors who sold my information to the credit bureaus. The account in question is name XXXX XXXX, XXXX Account number XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2021 - we purchased with XXXX XXXX. This purchase included an additional fee for expedited shipping ( XXXX  days ). 

On XX/XX/2021 - the day of expected delivery, nothing arrived. We attempted to contact the vendor a few times throughout the day but had no luck. Our final attempt of contact was through email, where we asked XXXX XXXX to cancel the order and refund the charge. Still no response. We purchased the same item through another vendor named XXXX XXXX XXXX and used the same card on this same day. 

On XX/XX/2021 - the shipment from XXXX XXXX arrived. 

We made multiple attempts to contact XXXX XXXX, and when they finally answered, they claimed the shipment was sent in error after cancelation. However, pool XXXX asked us to ship it back, so we did. 

On XX/XX/2021 - the item was sent back to the vendor through XXXX Tracking # XXXX. 

On XX/XX/2021, @ XXXX PM - The shipment arrived at the vendor. 

On XX/XX/2021 - I did not see a credit appear on my account as promised by the XXXX XXXX, so I contacted Barclays and filed a dispute. A credit was issued against the charge, and Barclays told me they would handle it. 

On XX/XX/2021 - I noticed a charge on my account for {$400.00} from XXXX XXXX dated XX/XX/2021. I contacted XXXX to find out what was going on. After speaking with a couple of people who gave differing stories, I asked to speak to a XXXX. I was told there was no XXXX available, so I asked to talk to someone in the XXXX, which was not an option either. I was told they would have to message a XXXX, and someone would get back to me. No one ever did. 

On XX/XX/2021 - I received a letter from XXXX stating they attempted to reach me on XX/XX/2021, and XX/XX/2021. These claims are false. I have no missed calls, nor did anyone leave a voicemail from these alleged calls. Additionally, there was an alleged statement from the vendor claiming they ( the vendor ) did not receive the returned item within the XXXX day return policy. We received the item on XX/XX/2021, and it was shipped back to the vendor XX/XX/2021, and received by them on XX/XX/2021. This is well within the XXXX day policy. Please see attached documentation. 

Would you mind helping fix it? 

Thank you

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 2021-11-23 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX and Transunion regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX and XXXX regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA 15USC 1692 ( e ) and 15 USC 1692 ( f ).

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 2021-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was flooded due to Hurricane Ida. I called both my insurance company ( XXXX ) and Toyota Financial Services, ( TFS ). 

I called XXXX XXXX a week from that date on to verify all was fine. I told to NOT pay the XXXX bill which was due on the XXXX and that XXXX would make the account as total loss without interest our credit penalty. 

Every week I called XXXX XXXX a week to check on everything. I was told XXXX hadn't submitted payment. I called XXXX and finally confirmed payment. 

On XX/XX/XXXX I receive a letter from XXXX stating I owe {$0.00} after the receipt of the XXXX payment and cancellations of other warranties. XXXX paid out {$31.00} which brought my account to {$0.00}. I called XXXX on this day and was told that I owe {$0.00}. I called immediately back and was told the same thing. 

On XX/XX/XXXX my daughter said she had a missed call from XXXX. I called them and spoke to someone who said I had a balance of {$3400.00}. He said XXXX did not cover this portion. He transferred me to XXXX and this gentleman said he was incorrect and that I owed {$0.00}. He said he would talk to the rep and. He came back and said XXXX is saying I ow this amount due to extensions taken on this account. He transferred to someone else who said I had a balance of {$980.00} and that it was being reported to the credit bureaus. I asked to speak to someone else and was told the office closed. 

I called on XX/XX/XXXX and was told that this amount of {$3400.00} is correct and that I owe this amount. I asked why the letter from XXXX said I owed nothing just XXXX weeks ago. She said the letter did not state this. She looked into my account found the letter and said it was wrong. She said a new letter was mailed on XX/XX/XXXX. But I have not yet received this letter. She sent me a copy of the letter via email and it is dated for XX/XX/XXXX but like the previous letter it will take many day to receive. 

I asked to be escalated to a XXXX, who said the XX/XX/XXXX letter was incorrect and that they told me this on every call. This is an outright lie. This have not happened. I have chased XXXX every step of the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Happy Money, Inc.
State: VA

Complaint narrative:
I have a personal loan with Happy Money, and I set up a payment for XXXX XXXX, XXXX. It was not taken from my bank account nor was it reflected on my account. I received a text on XXXX XXXX, XXXX stating that payment was late. 

Thought it was no fault of my own, and an issue with their system, I went ahead and scheduled a payment for the same day. Being a Saturday, it would clear before Monday. On Monday, I received 4 emails, 2 texts and 1 phone call. I reached out to them because of the excessive nature after 4 emails. They agreed that it was a bit much, and their system is set up for single touchpoints daily and something was going on with my account. I escalated it and was told a C & D was put on my account to stop all contact until they figured it out. After that, I received an automated phone call at XXXXXXXX XXXX. ET when I was trying to get my kids to bed. 

Again, I did everything I was supposed to, and then some as their system is the reason the payment didn't go through initially, but I'm getting sick of the bombardment from them due to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: CORELOGIC INC
State: GA

Complaint narrative:
I have been trying to contact These agencies for months and I have not been able to successfully Opt out and freeze my reports with them and its truly frustrating and they do not care.

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 2021-11-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
XXXX financial - we leased a car from them and at the end of the lease ( XX/XX/2020 ) we were told we owed {$900.00} for lease end fees. Per the direction we mad XXXX equal payment total {$900.00} last payment was XX/XX/2020. XXXX does not invoice for thi amount nor do they tell you when its paid per their policy. 1 year later my credit takes a XXXX point drop because XXXX say we owed them another {$1200.00}. Once again, they never sent us an invoice or tried to contact us. We I reached out XXXX about this they had already turned my account over to collections. I disputed the amount saying we were never told about this, but they said it was something that they missed initially and we had to pay it. I told them that wasnt a problem, but because they never told us, they should remove the collection status from my credit report and I would pay them the amount due. Of course I paid the money, but they didnt remove the collection status from my report and they did show I had paid them the money. I disputed the item on my credit report and they now show it paid and closed, but the collection status is still on there and effecting my credit score.

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 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
My MoneyGram account was canceled for no reason. I have used the mobile application for a couple of years sending money to my relatives. I used the account recently a couple days ago tried to use on XX/XX/2021 to find my account was blocked. I called to request the reason for such action they refused to disclose. Please investigate to avoid hardship for my relatives abroad that rely on my remittances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
There are some negative Items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX ALLY FINCL Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2021-11-23 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: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday XXXX XXXX, 2021, I attempted to see if I prequalified for the OPORTUN XXXX Credit Card. On the website, www.oportun.com it states explicitly that checking for prequalification will not require a hard inquiry which would impact your credit score. It explicitly states that only a Soft Pull would be performed! 

However, after supplying my personal information which was required to confirm my identity, I received a text to my phone with a link to confirm my identity and upload documents. Then I was led to page that said my application and documents were under review. I never submitted any documents nor was I ever told if I was prequalified or not! Yet I was then notified by XXXX that a hard inquiry had been made on my credit file! I did not authorize any hard inquiry. 

Oportun XXXX Credit Card is engaging in predatory lending practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Someone opened an account in My maiden name and used an address I have not lived at in over 3 years

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 2021-11-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts that need to be removed are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Please review Attachment 1, a two page summary of my concerns with the Wells Fargo mortgage application process. Wells Fargo denied my requested mortgage product/terms after first lying about my gross monthly income. Wells Fargo deliberately decreased my actual gross monthly income by 21 % and then proceeded to use this inaccurate gross monthly income to calculate a XXXX of 67 %, twice my actual XXXX. Wells Fargo then declared that my XXXX was too large, above 50 %, and I was not qualified for the applied for mortgage credit product.

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 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have reached out to JCAP Funding and requesting information in which I have yet to receive a response. JCAP Funding is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express bill payment due dates regularly fall on saturday or sunday Online major consumer bank does not issue payments on weekends - weekend dates are greyed out for setting payments, no consumer option to set weekend bill payment date. 
Payments submitted via online consumer bank are issue to American Express the 1st business day following weekend. 
American Express considers these late and charges fees Most recently American express payment dues date Saturday XX/XX/2021 Online payment via consumer bank made to American Express Monday XX/XX/XXXX Card XXXX - {$2.00} interest, {$35.00} late fee Card XXXX - {$29.00} late fee American Express requires their own direct pay system to be used. 
Consumers are being penalized for online banking no-weekend bill pay rules and American Express unreasonable demand bill payments on non-business days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation