vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The following hard inquiries are on my credit reports from the credit bureaus without my knowledge or request from creditors : XXXX 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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-02 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: EQUIFAX, INC.
State: OK

Complaint narrative:
previously disputed account late payments reporting XX/XX/XXXX & XX/XX/XXXX in violation of heros act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well.

Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent.

Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law.

The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic.

XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
My first few regular car payments to Toyota Financial Services were fine, no issues. Then I made a regular monthly payment ( XX/XX/2023 ) plus a separate payment toward principal, which was an option on their website/payment portal. No issues. The following month ( XX/XX/2023 ), I scheduled both a regular monthly payment and a principal payment only to discover a week later that the payments I scheduled in advance were not applied on the date I selected. I also noticed their payment portal had changed slightly from its initial look, with easy to use features. Now their payment portal is not as intuitive and the option to pay toward principal has been removed. According to the XXXX, many customers are complaining about the terrible service they are receiving by phone with many complaints about the same complaint I am making and the reason I've chosen not to contact them directly. My blood is already boiling. This is shoddy treatment of their customers, not to mention a malicious attempt to handicap customers who want to pay their loan off early. In addition, they are not transparent about how much extra interest I have to pay them for " missing my regular payment '' in XX/XX/2023, the scheduled payment they inexplicably wiped off or did not take. I have been a Toyota customer for XXXX years. The deceitful shenanigans Toyota Financial Services employs to get the maximum buck out of their customers is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: CA

Complaint narrative:
i am not liable for the debt owed of {$2500.00} to XXXX XXXX XXXXi did not sign a contract with 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 2023-10-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing 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 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
XXXX XXXX XXXX contacted me with a litigation for a Wells Fargo Bank account that they claim I had and was charged off. I have never had a Wells Fargo Bank account ( 20 years ago I did in 2000 but nothing past that and the account was closed ) They are claiming I owe {$900.00} and claiming if I dont pay I wont be able to submit checks or use my debit card. 
I asked them to send me a letter stating what I owed and who this was through. They sent me a letter dating XXXX I received the letter with all my information, I have not called Wells Fargo to confirm. When I searched online it said this XXXX XXXX XXXX is a scam.

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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
- Was repeatedly solicited to open an account with Citigroup with interesting sign-up offers ( e.g. extended balance transfer and purchase offers ). 
- Took credit hit to apply for a card, and was surprised that the credit limit was low ( about XXXX the credit limit offered by my other cards -- I have good credit and income ). 
- Called twice to see if limit could be increased. First call suggested limit could be increased after having the card for a week. Second call ( made after a week ) told me credit limit could only be increased after 6 months, effectively outside of the introductory sign-up offers. 
- Closed the account ( with a ding to my credit report ) as the card 's limit was too low to be usable without further hurting my credit ( due to high utilization ). 
- Application should have been clear that there was a low cap independent of credit score and income ; would have saved me time and hassle of application.

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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I discovered a fraudulent purchase on my Apple/Goldman Sachs credit card that was made overnight while I was sleeping. I immediately checked my Apple ID and subscriptions to confirm that nothing was charged overnight that should have been charged. After some quick research, I verified that the transaction was fraudulent and I requested an Apple Card/Goldman Sachs customer service representative to help me remove the charge.

Apple Card/Goldman Sachs provides two methods to contact customer service - a phone number, where customers languish on hold for more than XXXX hour, and a chat service through the XXXX service. Customer service representatives can not be contacted through either method, and it is clear that the system is designed to prevent customers from being able to speak with representatives. 

I opened a chat to share XXXX screenshots with customer service to show that the charge on my credit card did not originate from my XXXX account. These XXXX screenshots are attached to this complaint. I sat on the customer support chat for three-plus hours and I received no response from Apple/Goldman Sachs . I also tried to call the phone number for support and have yet to be able to reach anyone. Meanwhile, I will be charged interest for this fraudulent purchase, which is something that I believe Apple Card/Goldman Sachs has done previously because it takes them so long to remove charges from accounts. 

I do want to point out that this is a frequent pattern for Apple/Goldman Sachs . My card information has been stolen several times, despite the numbers allegedly changing every XXXX  days, and every time I have to report fraud, it is a taxing and exhausting experience. It should not be this difficult to remove a fraudulent purchase from a credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS

Complaint narrative:
On XX/XX/23 I received money from my sister in XXXX and went to collect it I was told by the agent that I was blocked from all transactions with Money Gram.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: IL

Complaint narrative:
I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these inquiries from my credit report as they are impacting my creditworthiness. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Late fees of {$36.00} charged 4 times on XXXX when there was nothing owed on XXXX, paid to date including the forced placed flood insurance deducted once again for {$1200.00} in XXXX, i still have not received the refunds from the flood insurance from XXXX, XXXX, XXXX and XXXX, now XXXX. Proof was given to mr cooper many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
When I open my XXXX report and payment history, there is still showing a current balance of XXXX XXXX against my name. But I have paid the entire amount XXXX XX/XX/2022 and getting the clearance certificate from XXXXXXXX XXXX  XXXX XXXX. 

The showed balance still effect my XXXX  score. Please update my status,

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems has made allegations about this debt for {$6800.00}. My husband and I have communicated with them via U.S. certified mail ( XX/XX/2023 ) requesting additional information and have not received a response. We have waited 30 days, plus an additional 5 days to give ample time to allow them to do their due diligence. I have attached all correspondence and tracking information for the certified letter. We have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MD

Complaint narrative:
I sent a letter dated XX/XX/2023 to Equifax disputing an account reported on my credit. 
This letter was sent out as written below : XX/XX/2023 Dear Equifax, I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below account you are reporting. 
I previously requested that you provide the original contract for the item that I previously disputed that are listed below. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Please DELETE any accounts that you can not provide the original contracts for that show the lawful collection fee amount. 

-Account Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : {$7400.00} Collection Balance : {$7400.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX This was the second letter sent due to receiving a response to my first letter where only one account was removed. And no further information regarding the above account in dispute. 

Ive received the Domestic Return Receipt For the letter sent out on on XX/XX/2023 and so I know its been received as of XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-02 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX, I noticed that I was charged a monthly fee of $ XXXX since XX/XX/2022 for a total of {$160.00}. I went to the branch office at XXXX XXXX XXXX XXXX, XXXX, TX XXXX on the same day and spoke with a Regions Bank teller with regards to the fees. I asked for her help if she could waive the fees as I didn't know that Regions Bank charged me $ XXXX without notifying me through email or via mail. The teller told me that she couldn't waive the fees and advised me to contact a customer service at XXXX. 

Today, XX/XX/XXXX, I called Regions Bank customer service and explained to her my situation that I was charged a monthly fee of $ XXXX with a total of {$160.00} since XX/XX/2022 or for 21 months. I spoke with the supervisor and asked her if she could waive all the fees as I didn't know that Regions Bank kept on charging me $ XXXX fees. She mentioned that my account was inactive as I never used my account and my statement was changed from monthly to quarterly. I never received notification from the bank for all of the information that she mentioned. She said she could only waive up to 3 month-fee, with a total of {$24.00}. I asked her if she could waive all the fees ( {$160.00} ) as I never received any bank statements or notifications from the bank either by email or mail and was not aware of the fees. She said she'd like to help me but her system would not allow her to waive beyond 3 month-fees. 

In light of this, I filed a complaint and asked for all fees ( {$160.00} ) to be refunded to my account as Regions bank never sent me any notifications, statements or account inactivity as a good faith to notify their customers so their customers can take an action immediately to prevent all the fees. I am not willing to pay for {$160.00} fees that could be prevented to begin with and please refund all the fees ( {$160.00} ) that have been charged to my account for 21 months. 

I appreciate your help to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
What they provided me years ago consisted changes the amount changes it constantly goes up, never goes down my taxes have been garnished and the amount continues to go up not down ever, they continue to change the time of the debt. There are serval inaccuracies in the lawyers amounts of debt and interest owned, i have Attached a debt validation letter. There are lots inaccurate on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: MI

Complaint narrative:
Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing 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