vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-18 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, with the help of Target customer service representative, I enrolled my Target credit card in Autopay on Target website using my checking account with XXXX please see documents attached. The same day I signed up for electronic statements. 

On XX/XX/XXXX, I received a statement from Target that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from Target. 

The next day I received and alert from XXXX and XXXX that my score dropped 155 points due to the red flag posted by Target. In twenty  years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in Targets system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called Target numerous times to no avail. 

On XX/XX/XXXX, I filed an online dispute with XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX, I finally got through to speak to a Target representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by Target, see documents attached. That day, I was also on the phone with the Target representative who was guiding me through an autopay set up process. 

On XX/XX/XXXX, during my conversation with Target representative he gave me the report number XXXX. Target representative assured me that they posted a note to XXXX agency, as he stated they put a red flag due to misunderstanding. The representative assured me that Target will look into my call to set up an Autopay on XX/XX/XXXX, and that someone will follow up with me. No one from Target ever called. 

On XX/XX/XXXX, the dispute results from XXXX came. The XXXX stated that Target balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that XXXX will be able to solve this ; however, the red flag posted by Target was never removed, and XXXX did not change the status of my credit. 

I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my Target credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until Target. 

Please, help me solve this situation. 

Best, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-18 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: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2022 around XXXXXXXX XXXX Eastern Time, I attempted to log into my TransUnion account. I was unable to login with my username and password. I tried to reset my password, but I was not able to. TransUnion 's website was stuck on Step One of verifying my identity in order to reset my account password. I thought that maybe I needed to sign up again. I clicked " Sign Up '' and filled out my information. The website then asked me for my credit card information. The website did not mention that I was about to purchase a service or provide me with a total. However, the website would not let me proceed with registering an account without registering a credit card, so I did so. It was only after the registration process was complete that I realized the TransUnion charged me {$24.00} without explicitly notifying me that it was charging me or informing me of what service I was purchasing. I immediately cancelled the service, but it had already charged my credit card. I only wanted to view my TransUnion credit score and unfreeze my credit. TransUnion essentially charged my credit card without explicitly notifying me that it was charging me or telling me what I was purchasing. This is my formal complaint against TransUnion 's predatory practices for the sake of parting unwary consumers from their money. 

When the charge posts to my credit card, I intend to dispute the charge with my credit card company as TransUnion did not explicitly inform me that I was making a purchase and did not provide me a total amount for what I was purchasing.

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 2022-02-18 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: Security Credit Services, LLC
State: PA

Complaint narrative:
Reporting company used my report improperly, I have no relationship and or contract with the referred company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Elevate Recoveries, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in Texas where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for XXXX from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called Elevate Recovery XXXX LLC which I have not received communication from before. XXXX did not respond within 30 days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Our lease is ending with XXXX XXXX and we decided to purchase the car. I went into XXXX XXXX to find out what I needed to do to purchase the car. After I found out XXXX wanted {$1000.00} processing fee to do the paperwork. I refused and said will go to XXXX. 

Without my authorization they ran my credit 3 times on XXXX/XXXX/2022, XXXX/XXXX/2022, and XXXX/XXXX/2022. I am currently contracted with XXXX who sends me alerts. 

I have verification that XXXX XXXX ran my credit report on XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CORELOGIC INC
State: WA

Complaint narrative:
We have a mortgage and escrow  account with XXXX Bank, we currently have a complaint with them too for this same issue. XXXX failed to pay our property taxes in XXXX of XXXX I did not find this out until XXXX of XXXX when I received a notice from my county that my property taxes had not been paid for the year. I called XXXX to see what the deal was and they paid them, not the two payments that were due, but 4 payments on XX/XX/2021, 2 payments on XX/XX/2021 and another on XX/XX/XXXX. I called to ask them why they made two additional payments and they said they would fix it. Instead they made two more payments on XX/XX/2021. We have received 3 refunds, one on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We have been trying to get our last refund since. They owe XXXX {$920.00}. After talked to many different people and managers at XXXX I was told that they go through a processing center called Core Logic and the reason we hadnt received our refund is because Core Logic has not processed the refund. We have not way to contact Core Logic and were told by XXXX that they will not talk to us because we are not the client. This complaint is about Core Logic and them holding our escrow money XXXX. I believe this is a plow to increase our mortgage payment because after all of XXXX mistakes they overdrew our escrow account and now our mortgage payment is inflated and not what we had originally agreed to. Please help us get our money back from both XXXX and Core Logic.

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 2022-02-18 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have informed apple credit card that XXXX XXXX XXXX charged {$960.00}. 16 me to fix m car light system but they never fixed the issue and the workshop technician wrote that in a report. Then it was fixed in another work shop for only {$150.00}.

The workshop refused to refund me and the bank took 2 months investigation then sent an email that it was resolved to my favor two days later another email came and said it wasnt solved to my favor!!.

I asked to reopen the dispute the kept ignoring my request and after two or 3 months they agreed then a week later, replied that they need a third opinion- which is impossible because there is no means to get the light defect back again and see what the workshop did in my car- the report from the workshop proves in writing that the defect was never fixed and they tried to balm an accident which is a year old to cover up their stealing. I send my bank the report from the second workshop that fixed the defect and they refused to accept it. 
This is not a small amount of money plus the money I paid for rent the car while they kept in the workshop that made me pay for a service that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TX

Complaint narrative:
Wrong personal information on my credit file. I have followed all protocol to get this matter resolved. Remove the incorrect names off my credit file. I have send in documents to this bureau several times and the incorrect name is still on my credit file. This is fraudulent activity. Misspellings and wrong last name on my profile

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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is the medical company stating I owe them but they closed during the pandemic. There was no phone number, email, social media account or way to contact them. I was on a payment plan and could not get an updated bill. I have reported them with the XXXX ( if you look you can see so have many other people ) and event at the state level in XXXX where it was located. XX/XX/XXXX XXXX XXXX XXXX XXXX sent me a collection bill. Within days I sent a dispute letter certified mail. I then saw on my credit report had a collection listed for Transunion from XX/XX/XXXX. So they had reported me to the credit bureau before validating the debt within but it is under a different company called XXXX XXXX XXXX XXXX which I have not received communication from before. XXXX did not respond within XXXX days to my letter. XXXX just now ( XX/XX/XXXX ) sent me the first correspondence not addressing my letter but a bill statement amount different than the credit reporting amount.

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I file a claim for loss of funds which were unathourized. I was told to give wells fargo 10 days for investigation then I would receive provisional credit. I was sent a replacement card which I received on XX/XX/XXXX. When I tried activating card I was told that my account wasn't available. So I immediately called Wells Fargo and brought the issue up which the representative was flabbergasted because they closed my account while having a claim open. Then he proceeded to transferring me to fraud department for claim and they assured me that everything was ok that they would help me open my account again they told me to hold on and was kept on hold for like an hour. The very next day I get an email stating that they closed my account for overdraft charges. Those over draft charges were made because of unauthorized transactions. All of this happen on the tenth day the day I was supposed to receive provisional credit. The reason why they denied my claim was because some merchant have me a refund. Then I receive a letter staying that they were going to check up on this but never received anything. Please help I'm XXXX XXXX XXXX and this is the first time this happened to me my bank account got wiped and wells Fargo literally threw me out with nothing left please help 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 2022-02-18 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I did not authorize theres hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Yes, i received an alert on my credit monitoring service that i had a hard inquiry on my credit report that i didn't authorize. i called the company to see what happened or who tried to apply for a loan in my name. the company name was XXXX XXXX in XXXXXXXX XXXX. i spoke with a lady name XXXX. She said that someone probably has my information and tried to apply for a loan online. i told her numerous times that i didn't apply for any loan online or in person. she told me to dispute it with the credit reporting agencies, which i did and XXXX deleted the inquiry, but Transunion didn't, and they told me to file a report with FTC and CFPB. i never applied for any loan online or in person with XXXX XXXX in 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 2022-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint 1 month ago about my issues with Experian NOT reporting my credit cards that I pay for monthly for good history. I have a total of 7 cards that should be reporting on each of my credit bureaus, and it is not. They are reporting on my XXXX and XXXX properly. Experian is the only bureau not reporting correctly. 

CFPB said this has been resolved with Experian and it has not. 

This is causing me denials for loans, credit cards, and more because lenders pull from Experian first. This is unethical for me as a consumer because I have worked hard to maintain good payment history and credit age. The lack of reporting is preventing me from benefiting from my financial responsibility. 

Furthermore, I also have bankruptcy accounts showing up on my report and they should not be due to id theft and discharge. I have been discharged and none of these creditors should be shown on any of my credit reports with any bureau. The following lenders are not supposed to be showing on my credit report due to identity theft : Global lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indigo

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 2022-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I sent a request to WELLS FARGO to validate my auto contract on XX/XX/XXXX. Along with this request was a copy of my original auto contract in its entirety. WELLS FARGO responded to my request with a letter of validation and a few pages from the contract they had on file. The auto contract pages that WELLS FARGO submitted to me, all had fraudulent signatures. Not one of the signatures were my own. This was undeniably evident when compared to the original. I reported this through CFPB and again WELLS FARGO replied with a letter of validation and pages from the fraudulent contract and closed the case. On XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, a WELLS FARGO rep called me to inquire about a XXXX complaint filed through CFPB. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While I had the rep on the phone, I'd asked him why WELLS FARGO did not acknowledge the fraudulent contract and only replied back with the same pages that are fraudulent. I was told that the only way to address the issue was for me to bring WELLS FARGO to court. I was also informed that my vehicle would be charged off and set for repossession in just a few days ( I had stopped making payments after learning about the fraud with the expectation that WELLS FARGO would remedy this situation in some way in my favor ). The rep strongly encouraged me to call the payments line as soon as I hang up with him to avoid repossession of my vehicle with no regards to the fraudulent contract. I emailed him the next day XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX to review our phone call so that I can have some sort of written confirmation of the information given to me ( call XXXX XXXX ). The auto-response email WELLS FARGO sent states that inquiries would be answered in XXXX business days, it has been XXXX days with no response to my email. Here is what I need to know specifically from WELLS FARGO : 1 ) Is my vehicle in danger of being repossessed? 2 ) Is bringing WELLS FARGO to court my only resolve to having the fraud addressed? If these 2 questions are answered, I can have clarity and have a better understanding of how I need to proceed.

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 2022-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I did not authorize theres hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I did not authorize theres hard inquiries

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