vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Ive reached out on multiple occasion to remove hard inquiries off my report. That I did no authorize and have yet to receive a response via mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: OH

Complaint narrative:
I have an unverified account from XXXX XXXX and XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX and XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY and ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that _CHOICE RECOVERY and ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please remove these addresses that I have never lived or belong to a relative : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, XXXX, I was aware that my online wire transfer limit was between {$3000.00} and {$5000.00}. At that time, I executed a wire transfer in the amount of {$1500.00}. Wells Fargo temporarily locked my account in the event the transaction was fraudulent. 

In XXXX, XXXX, I had to go into a Wells Fargo branch in person to execute a {$15000.00} wire transfer as this amount was above my limit. 

In XXXX, XXXX, I was the victim of a reverse wire transfer fraud scheme. The fraudsters manipulated me to execute an online wire transfer in the amount of {$25000.00}. 
This transaction went through immediately with no apparent scrutiny by Wells Fargo. 

Where were the previous anti-fraud measures that I had experienced? 

When was my online wire transfer limited increased to {$25000.00}? 

On XX/XX/XXXX, I asked a Wells Fargo online banking telephone representative, when was my online wire transfer limit increased and she stated, XX/XX/XXXX. 

My fraud occurred on XX/XX/XXXX and I reported it on XX/XX/XXXX. 

Did Wells Fargo change my online wire transfer limit after my reported fraud? 

I respectfully request answers to these specific questions. 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 2022-02-17 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: CA

Complaint narrative:
I had a scheduled payment on XX/XX/2022. I was notified by Amex that the payment on XX/XX/2022 was returned due to insufficient funds but that no action was needed from me because they would make another attempt. I was then charged a {$29.00} Return Payment Fee. I was surprised because it never happened before. And there were funds in the paying bank. Later the payment went through with no issue. 

I contacted American Express for a refund of the {$29.00} Return Payment Fee. But the agent XXXX from Website Chat told me that he could not help me in any way that I should contact Customer Service by phone. I called American Express, and the agent XXXX told me the fee was charged by the paying bank and she could not do anything at all and that I should contact the paying bank for reimbursement. 

I then contacted the paying bank, XXXX, the representative told me that XXXX did not charge any fee in the process and I should be contacting Amex. 

I am really disappointed in Amex agents scripted answer and basically it was a lie and very misleading. They would not provide any help and just wanted to turn me away. I do not think this charge should be on me or the paying bank, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
THE CAPITAL ONE ACCOUNT HAS BEEN OPENED FRAUDULENTLY UNDER MY NAME AND I HAVE RECHED OUT TO CAPITAL ONE NUMEROUS TIMES AND I HAVE SENT THEM ALL REQUIRED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT AND CHARGES REMOVED FROM MY CREDIT PROFILE BUT TILL THIS DAY THERE IS NO RESOLUTION. I HAVE SPOKEN TO MANY SUPERVISORS AND REPRESENTATIVES AND THEY KEEP TELLING ME THAT THAT THEY HAVE ALL THE REQUIRED DOCUMENTS FROM ME WHICH PROVES THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY BUT AGAIN CAPITAL ONE IS STILL REPORTING THE FRAUDULENT ACCOUNT AND THE CHARGES ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: SC

Complaint narrative:
It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute on XX/XX/2021, concerning several accounts that reported false information. And on XX/XX/XXXXXXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}, {$81.00}, {$2700.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Good Afternoon, To whomever reads this, I need some help with about a dispute that I am falsely being accused of owing to an allotment company called Transworld Inc. There company claims that I own them for a bill of XXXX dollars since XXXX from a claim from a XXXX  energy company called XXXX to which their claimed money from me in XX/XX/XXXX. But the problem with that is never used either of these companies in my life ; especially since Ive never rent, owned, or stay in a place with a utility bill in my life as of right now. And during that claim, I was stationed and living in XXXX, XXXX  at the time of the original bill. I keep trying to dispute this claim to the credit company, but I am consistently not getting an answer to my problem or to even getting this problem resolved. This current discrepancy has brought my credit score from XXXX to XXXX, and at this current rate, this problem will grow to be more damage that what its worth. Please as much as you can. 

Very Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
NAVY FEDERAL CREDIT UNION has denied me an extension of credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Booked a flight XXXX reservation code. Under terms and conditions, it says this ticket is refundable. However, when trying to get a refund/cancel the ticket because of a change in travel plans, chase said that I can only receive a voucher. 

I believe this is deceptive on the part of Chase because a refundable ticket and a travel voucher are not the same, and I wouldn't have booked the ticket if I had known the refund was in the form of a travel voucher. The statement " this ticket is fully refundable '' reasonably implies that the buyer will get a refund in the original payment method My request is that chase refunds to points used to book this trip back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: LD Holdings Group, LLC
State: GA

Complaint narrative:
I have been trying to refinance my home & have been searching for the best interest rates. On XX/XX/2022, I contacted loan depot.com. I answered some questions & was told they would call me back within the hour. They never quoted me an interest rate. I Never gave them authorization to pull my credit report. And I never heard back from them. I've since called them 5 times, left messages & never received a call back. They did a hard pull on my credit which has negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. he had accessed my personal and bank information and bought XXXX worth of crypto without my knowledge. i had disputed it with both coinbase and my bank but coinbase still claims i owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The account referenced unexpectedly stopped receiving paper statements in XXXX XXXX XXXX. The statements are relied upon to manage and account for credit accounts. I was unable to contact Synchrony Bank office to account for the missing statements due to Covid-19 and severe lack of customer service personnel ; only after Ashley Furniture stores were reopen to the public was I able to get in touch with the credit department to request receiving statements again. By this time, XX/XX/2020, a critical timeframe had passed and Synchrony applied interest charges of {$1000.00} that would not have occurred had the balance been known to the client from XX/XX/2020- XX/XX/2020.

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 2022-02-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was offered and excepted covid forebearence relief. After 18 months i called to ask what's the next step towards repayment. I was offered to repay all at once, add additional amount to my current monthly mortgage payment or the amount owed would have to be paid in a balloon payment once my current mortgage was completed. I choose option # 3 balloon payment. 
Then they say they sent me a letter 2 weeks later saying i did not qualify for the 3 option they offered me and i accepted because i did not qualify for the deferment. I never received this letter, nor was i called and/or left a messege about such letter, nor was an email sent to my personal account ot email to my Chase app account on my phone that i use daily. So the word forbearence is the only word i have been told about since this process began and now AFTER 18 months i do not qualify for the new word im now being told DEFERMENT. Its a bait n switch type of feeling.

If i qualify for forebearance ( There's a financial reason ), so telling me 18 month later i do not qualify and pay 18 months of back payments, without telling me anytime in the 18 months period i do have to pay 18 payments in 1 payment, knowing covid killed my employment is wrong. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: CA

Complaint narrative:
XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original 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 2022-02-17 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: CA

Complaint narrative:
XXXX is reporting multiple addresses on me that are incorrect, multiple variations of my name that are incorrect, and multiple inquiries that should not be there. I am a consumer ( definition-natural living person ) .Pursuant to 15 usc 1692 ( a ) ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT WRITTEN CONSENT TO RPORT ANYTHING ON MY CREDIT REPORT. NO CONSENT IS IDENTITY THEFT pursuant to 15 usc 1692 C ( c ) ( 2 ). I am invoking my specified remedy as a consumer and the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

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 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IL

Complaint narrative:
I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe XXXX {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by American Coradius International LLC. 

I went out to XXXX and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used XXXX for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp
State: FL

Complaint narrative:
We have a mortgage with RP Funding Inc. We received an Annual Escrow Account Disclosure Statement on XXXX stating that we had a surplus in our escrow account in the amount of {$890.00}. The statement said if the check wasn't enclosed with the statement then they would send a check out within 30 days of the date on the statement. 

On XX/XX/XXXX I contact RP Funding because I didn't receive the check yet. They told me it wasn't mailed until XX/XX/XXXX and that it could take 14 business days to receive it. We received the check on XX/XX/XXXX and deposited it via the ATM at our bank on XX/XX/XXXX ( my husband tested positive with XXXX  XXXX so we could not leave the house until the XX/XX/XXXX to deposit the check ). 

Today we received a letter in the mail from our bank that RP Funding stopped payment on the check we deposited on XX/XX/XXXX. Today we also received a letter from RP Funding stating they stopped payment on the check and that they would reissue a check within the next 15 days. This is not right. We were charged by our bank for the check being returned and we need the money now. It's our money. We tried to get them to overnight a check and they would not. We asked for a copy of the check they sent out supposedly on XX/XX/XXXX but they said they didn't have a copy .... 

We want our money not lies. They lied to us several times already. They almost made us bounce items because they stopped payment on the check for NO REASON. 

Please help us we need the money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter from Synchrony Bank on XX/XX/22 falsely claiming that I had requested to open a PayPal Credit account. I absolutely did not do this and believe this to be a marketing scam. I tried to contact PayPal to find out why I received this letter, first via chat, with no success ( they were unresponsive ) and second by calling. The CSA immediately transferred me ( supposedly ) to PayPal credit where no assistance was available because the robot kept asking me for an account number, which I obviously do not have. Simply asking for an agent did not permit me to override this step. There is no contact information on the letter other than a return address to a po box in Florida, which immediately raises red flags. If there is a security issue regarding someone trying to open an account in my name, I absolutely have a right to ascertain this information. If it is a cheesy marketing ploy, I am livid that they have wasted my time trying to sell me a product I am not interested in via a fear tactic that can not be quickly dismissed.

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 2022-02-17 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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2022-02-17 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: LA

Complaint narrative:
I had recent taken a construction loan at XXXXXXXX XXXX  XXXX XXXX XXXX who at this time are being investigated by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX for misappropriation of the client 's funds where as some {$17000.00} has not been account for or is missing Therefore I strongly believe XXXX XXXX  or someone from their establishment has altered my credit with the help of Equifax where as my credit score has drop more than from XXXX to XXXX more XXXX points for a single loan being reported as XXXX different loans wherein they are actuality XXXX in the same. 

This problem seem to be associated with Equifax and XXXXXXXX XXXX  XXXX XXXX only ; The XXXX other Credit Reporting agencies are not reporting it, which lead me to think the XXXX are the corporate, in fact the bank loan officer said they only will use Equifax

Company response to consumer: Closed with explanation