vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 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: NC

Complaint narrative:
On XX/XX/XXXX I requested my 3 credit reports from XXXX and upon reviewing each report I noticed some issues and discrepancies on my Equifax report. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my credit report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax a formal dispute ( attached ) via certified mail with a receipt of return and they received this dispute on XX/XX/XXXX. According to The FCRA they have 30 days to respond to my dispute however I have not received any response from them as of XX/XX/XXXX. I am demanding Equifax removed these disputed transactions immediately. 

Accounts disputed are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: FL

Complaint narrative:
I have lived at my current address for more than a year and 3 months. I applied for credit at a retail store and received a letter from the underwriting bank that my address is incorrect and, as such, the bank would not make a decision on my application. 

Why aren't credit bureaus required to update their records on a timely matter and allowed to affect one 's credit by their negligence to do so?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica
State: WA

Complaint narrative:
An unexpected transaction debited my account on XX/XX/XXXX and caused my account to overdraft. Luckily, I had payment into the account the next day which covered the overdraft. I never received a notice that my account would be charged a fee or that it overdrafted. They have my email, phone number, and address. I logged in on XX/XX/XXXX to online banking and no fee had been charged to the account. I then initiated a transfer from Comerica from an external bank for most of my remaining balance. On XX/XX/XXXX I received a letter that my account had charged a {$34.00} fee for overdrafting. I logged on and found that they did in fact charge me an overdraft fee after hours on XX/XX/XXXX which lead to my next withdrawal to also overdraft. I immediately sent a secure message explaining the situation and requesting my overdrafts be waived, deposited a check to cover the overdraft amount, and initiated an ACH transfer into the account. Comerica took 2 business days to process my check which lead to them charging 3 {$6.00} fees for my account staying overdraft until my ACH transfer arrived. Comerica had disabled my XXXXXXXX ability for being unable to verify my identity and I do not currently have an atm or debit card. There was no way for me to bring my account to positive and avoid those fees. Comerica responded that they do not waive overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I lost my job in XX/XX/2020 due to pandemic. I reached out to Target and was informed that they were helping their customers by waiving late fees and payments until financially stable to do so. I was still charged {$63.00} in late fees and when I called was told by reps that there was nothing they could do and that I had to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
i have sent several letters and hired credit repair company they say i owe {$420.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$420.00} they never applied the {$300.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TN

Complaint narrative:
I have become aware that that the credit reporting agencies may not be in compliance with certain provisions of the Fair Credit Reporting Act ( FCRA ) and how it is reporting my credit information.

In accordance of the Fair Credit Reporting Act ( FCRA ) : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information exclu
ded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

With subsections 604 and 605, the credit reporting agencies did not get the information of my bankruptcy from the State of Tennessee nor did I express that information to be made public in any expressed written agreement or statement. The three credit reporting agencies received my personal credit information from public records which they are not in compliance with the Fair Credit Reporting Act.

Fair Credit Reporting Act states the regulation and laws that govern the three credit reporting agencies, however the misuse of personal information for financial gain harms consumers. I could not find a place to stay because that was on my credit report and reduce my score. I find it very difficult that I can not find a place to call home in a reasonable area do to the inconvenience of the misuse of my personal credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: RI

Complaint narrative:
I have sent several dispute letters and hired credit repair companies they are trying to collect {$420.00} on a secured credit card that I had gave them a security deposit of {$300.00} so the balance should only be {$120.00} they never applied the {$300.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CA

Complaint narrative:
I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I have done my research I know the credit bureas have 30 days to reply back and they haven't I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that law I researched, I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I don't know if experian is confused by the stimulus check, but my income comes from 2 social security checks. They are reporting that I only get one of those checks. And I'm spending more then I make. Also no creditor is going to give me credit when they see the pitiful amount of only one check. And it's not big enough to pay my bills. I need both social security income checks reported correctly.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX. was the loan servicer and XXXX XXXX XXXX, As Trustee XXXXXXXX was the trustee. This information was listed on various illegal recorded documents as mentioned in my pervious letter on dated XX/XX/XXXX. The principal-agent relationship is an arrangement in which one entity legally appoints another to act its behalf. In a principle-agent relationship, the agent acts on behalf of the principal and should not have a conflict of interest in carrying out the act. The relationship between the principle and the agent is called the " agency. '' and the law of agency established guidelines for such a relationship. 

Therefore, these violations against the borrowers executed by XXXX XXXX XXXXXXXX XXXX. your servicer at the time, were either sanctioned by XXXXXXXX XXXX  XXXX. or ignored, either one, caused harm to the XXXX Family. For it was under your relationship with XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX sent the borrowers {$23000.00}. to bring current their past due payments for the months spanning from XX/XX/XXXX, until XX/XX/XXXX. Your servicer XXXX XXXX XXXXXXXX only applied 4 ( four ) of the payments sent by XXXX XXXX XXXXXXXX XXXX while filing a illegal Notice of Default for the remaining payments while still in possession of {$12000.00}. along with stating they were unable to locate the borrowers. The actions by your servicer XXXX XXXX XXXXXXXX XXXX. and the inactions of XXXX XXXX XXXXXXXX. force the borrowers into a Bankruptcy action to save their home : # XXXX filed on XX/XX/XXXX, again, XXXX XXXX XXXX  XXXX. had the funds to bring the past due payments current. 

Rather than recount the numerous violations which occurred with XXXX XXXX XXXXXXXX XXXX, I choose to move on to Mr. Cooper XXXX Nationstar. The same violations of servicing were allowed to continue on unchecked by XXXXXXXX XXXX XXXX XXXX XXXX, until the US Department of Justice and the Untied States Trustee intervene collectively with a Memorandum of Understanding dated XX/XX/XXXX. This agreement attached was between Nationstar Mortgage LLC and was between the " Relevant Periods '' XX/XX/XXXX to XX/XX/XXXX. ( see attached ) ( XXXX transferred to Nationstar XXXX ) Without waiving privilege : Nationstar admitted of the mishandling of accounts which were in Bankruptcy in their servicing care, this resulted in mortgage accounts being illegally foreclosed on. 

I have no doubt that there is an executed PSA agreement with XXXXXXXX XXXX XXXXXXXX. and Nationstar XXXX Mr. Cooper to service XXXX XXXX  ' interest. Furthermore, I have never seen a PSA " Pooling Servicing Agreement '' which requires zero reporting to the investor and one which provides no obligation to their Certificate Holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the past nearly 10 years, every 2-3 years or so, some nameless, faceless, individual ( s ) located deep within the underwriting/risk department of one of the major banks where I have my XXXX XXXX bank accounts abruptly and without warning, closes my accounts completely, and then have completely banned/blocked me from banking there in the future, ever again. They always state that due to some such and such reason and because they simply can, they just do. This has led to untold misery, instability, chaos, disruption, and untold damages to my XXXX XXXX XXXX, my family, and my children. After my own investigations, it has always involved someone with an axe to grind against me, a very secretive and clandestine individual ( s ) with a great deal of power, who takes pleasure in pulling out the rug from under me, possibly a XXXX or a XXXX person, or someone else who does not like me for political reasons. This has now happened at the following banks, in recent succession, from last to the first, according to my best recollection and memory ( which may be flawed ). Please urgently investigate and advise, as this has got to be unethical, if not illegal : ( 1 ) CitiBank ; ( 2 ) XXXX ; ( 3 ) XXXX XXXX ; ( 4 ) XXXX XXXX XXXXXXXX ; ( 5 ) XXXX XXXX XXXX XXXX  ; possibly others. This last time, at CitiBank, right after they approved a mortgage for our new house, they not only cancelled/closed my XXXX XXXX bank account which I have had for a little over 2 years, but also my little baby XXXX starting bank account ( hes only XXXX years old ) and my new XXXX wife XXXX bank account as she just got her social security number and work authorization card. In short, my entire family ( even my little baby son ) is getting harassed, punished, XXXX and attacked just for being my wife and child. This is unacceptable, and needs to be investigated urgently and immediately. This is especially strange since I know many people, law firm and business owners who have had the same bank account for 10, 20, 30 even 50 years, without this type of harassment. Please urgently investigate and advise.

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 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX at about and around XXXX I met with Mr.XXXX  Sale Manager Of XXXX, California Toyota Dealership who assisted me on purchasing my XXXX XXXX XXXX on XX/XX/XXXX. 

Mr.XXXX  had a conversation with Toyota Financing Services Ms.XXXX with employee ID # XXXX and also another Rep in regards of a possible trade in so I able to have a monthly payment of {$300.00} a month that's more affordable for me instead of present Auto loan payment of {$480.00}. 

I am respectfully not able to pay {$480.00} a month now or later I can only pay {$300.00} - {$320.00} a month payment. 
Toyota rep in which he was a male rep stated on a recorded phone conversation as Toyota Administration records all customers conversation. 
I made call to Toyota Financial with my cell # XXXX my call can be traced by Federal Government and location at XXXX Toyota Dealership for evidence. 

Mr.XXXX explain to both Reps of trade in to make my monthly payments at {$300.00} a month, but Toyota Financial Services wants doesn't want to reduce the Payoff to {$14000.00} as XXXX XXXX states for XXXX as value decreases. 

Toyota Financial Service is asking for a Payoff of {$23000.00} and is go through XXXX was purchase for {$26000.00} on XXXX XXXX with GAP Insurance and Extended Maintenance Repairs Service , but this Gap and Extended Service was terminated by me on XXXX XXXX and Toyota eliminated and the funds of around {$2300.00} that was retrieve was utilize to be implemented on the Toyota Auto loan XXXX XXXX XXXX as stated on billing statement evidence of XXXX XXXX. 
I provide evidence of this payment from Gap Insurance funds to Federal Government CFPB and XXXX Department of Justice on filed complaints # XXXX and provide it evidence to US Senator XXXX XXXX office. 

Toyota Financial Service Male Rep that was talking to me and Mr.XXXX stated that Toyota Financial can make my monthly payments more affordable so I can keep this wonderful beautiful reliable Toyota vehicle as I love it and I love to keep it.

If Toyota Administration reduces my monthly payments to {$300.00} a month I will make timely payments until vehicle is paid in full and respectfully timely payments will support me in getting my credit in prosperity as my credit is not in prosperity and I am working on my credit. 

Toyota Financial Administration rep stated that Toyota has special programs for our Military Veterans for support. I am respectfully a XXXX XXXX XXXX Military Veteran, XXXX XXXX  and Retired. 
I only receive XXXX  XXXX Retirement Pension income and I don't receive Social Security benefits or any other income. 




.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
This line of credit is attached to my home as a Home Equity Line of Credit. In XXXX TCF Bank requested proof of flood insurance and homeowners insurance. I sent them the proof on 2 separate occasions along with my insurance agent for a total of 4 times. Each employee stated they received the proof and would make the necessary adjustments however the bank continued to add their own policy and increased my payment for XXXX. I made my regular payment for XXXX however the bank continued to claim i had a past due amount for the flood insurance and they assessed a late fee and reported me to the credit bureaus. I also leased a new vehicle and due to this mistake by TCF and the negative report my payment is significantly higher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 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: OR

Complaint narrative:
Experian shows a late payment to XXXX ( XXXX ) in XXXX and XX/XX/XXXX. I have a LETTER from the XXXX company themselves saying 1 ) there were no late payments AND 2 ) they have reported it correctly to Experian showing no late payments. I submitted the correction WITH THE LETTER uploaded to Experian twice, most recently XX/XX/XXXX, and they are refusing to fix it, leaving the ding on my otherwise excellent credit. This is unacceptable. Please inform Experian they MUST fix it. It is not their right to report whatever they want and have that affect rates I am given for my home mortgage etc! Especially after I've done my due diligence twice to write the companies, provide PROOF, and uphold my part of transactions.

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 2021-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
In the month of XXXX we mailed our mortgage payment but it was not shown as received, due to postal delays. We were advised to place a stop payment and make phone payment. We notified them of the stop payment and made a phone payment. 
They applied the phone payment and also attempted to cash the stopped payment. 
We requested a return of the overpayment. They removed this payment from our mortgage record but did not reimburse us. 
Our bank did not process the attempted cashing of the stopped payment. 
We waited for the reimbursement but eventually made a second phone payment to protect our credit rating. 
We have been in contact with SunTrust ( Truist ) bank since the middle of XXXX. We have been reassured on multiple occasions that the overpayment was being made to our bank, and later that it was being applied to our XXXX mortgage payment. 
The executive services department of the bank has begun as escalated case review as of the beginning of this week. 
Despite this we received in the mail today a notification of no XXXX payment receipt and that a late fee for XXXX was being applied.

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
this is the transaction history with no response from coinbaseXXXX this is the last email i sent after several before emails which i sent XXXX XXXX ( 3 hours ago ) to Coinbase who authorized the withdraw? 
Withdraw XXXX XXXX  - XX/XX/2021 EST XXXX the size : : XXXX XXXX also i made the deposit Deposit XXXX XXXX - XX/XX/2021 EST XXXX XXXX {$9100.00} ANOTHER ISSUE WHO authorized the withdraw of ETH  XX/XX/2021 - XXXX XXXX EST XXXX {$3800.00} XXXX subtotal:XXXX6 Destination Address:XXXX Transaction Hash : XXXX COMPLETED>>>>> THIS IS MY DEPOSIT XX/XX/2021 - XXXX XXXX EST XXXX XXXX Transaction ID:XXXX  Transaction Hash:XXXX {$3500.00} this was done i assume on there trading plate form i have the address i sent from my hard wallet ( offline wallet called XXXX XXXX XXXX ) to them please publish but please remove my name

Company response to consumer: Closed with explanation