vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Dear Sir/Madam, My lease ended with Toyota Finance years ago. I currently have my vehicle financed by TD Auto Finance. On XX/XX/year>, I was trying to pay TD Auto Finance the sum of {$680.00}, being the monthly bill. Unfortunately, I sent the money to Toyota Finance. It took a while before I figured out the mistake, and when I reached out to Toyota Finance to refund my money, they refused. This incident happened almost 2 years after my lease with Toyota Finance ended. This is the second time I'm filing this complaint. Unfortunately, I didn't realize that Toyota Finance is independent of each other. But now, I have the correct address. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX dollars - XXXX XXXX XXXX XXXX This is a Bank of America account with about XXXX XXXX dollars, when I call they have no trace of my account and have told me there is nothing they can do about my money. Plz help me recover my money as I will pay you extra once we get the account back. The owner of the account is XXXX XXXX or my other name ( ( 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
iam a victim of identity theft i found a few accounts that i dont recognise and student loans and ive never been to school my credit is harmed and they violated my privacy and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and never sent me anything 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 non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
See attached documents - we were charged {$6300.00} for fees associated with a lease. It took Chase 8 weeks to get me the photos to show the damages and in the mean time my credit was dinged. This is after 6 weeks from the time I turned the car in. 

The Car was under warranty and there was a supplemental insurance policy- backed by Chase that should have covered the {$4100.00} headlight and {$1600.00} in dings. In addition I was charged a vehicle transfer fee of {$490.00} that should have been waived because I purchased a second vehicle- and turned in my lease before it was up. The tires only had XXXX miles on them, but I was charged {$610.00} for new tires. 

I was never informed by Chase or the Dealer of these fees- until 6 weeks after I purchased a new car. And I was told by Chase on two recorded calls I should not have been charged the {$490.00}. The dealer also said the car was under warranty but I needed the photo to prove my case. I had to call Chase 4X to get the photos. 

The car was sold before I was informed of any of this and my credit was dinged before I could do anything because Chase took another 8 weeks to get me the photos

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have recently been in the process of buying and selling a house. Because of this my credit was pulled and it came to my attention that there was duplication errors for my student loans. My federal student loan balance is just over {$100000.00} and with it being duplicated on my report it severely affects my debt to income ratio and thus my ability to buy a home. 

From reading articles online it seems this is a problem that has affected thousands of other federal student loan borrowers. My federal student loan servicer is XXXX, they recently changed their platform and erroneously reported some students continuing credit accounts as new causing them to be duplicated on the credit report. I called XXXX to ask them to help me resolve this and they did not give me much help over the phone other than saying they were aware of the issue and were working on resolving it. I was not satisfied with this given they caused the issue in the first place. 
I also filed disputes with each credit bureau the day I found out ( XX/XX/XXXX ). My XXXX and XXXX reports are now corrected as of today XX/XX/XXXX. However my Equifax report is not. It seems Equifax did not due their due diligence to fully investigate my dispute because they responded to my dispute request having not made any corrections to my credit report saying we verified that this item is correctly reportedwhen they clearly were duplicated. So now Equifax is delaying the resolution of my dispute and correction of my overall credit report because I have to dispute it again. I have resubmitted my dispute today with much more specific information specifically pointing out which reported student loans are duplicates of which. This delay is extremely problematic for me currently trying to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these itesm based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX - XXXX XXXX XXXX & XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Report # XXXX - Inacurate Information To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. 

The delinquent payments on my Experian consumer report on the accounts provided below must be updated. 

XXXX XXXX XXXX XXXX Account # XXXX. 
Dates associated with the item being disputed : XXXX, XXXX These items are inaccurate. It occurred during the economic hardship forbearance period due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, for the period beginning XX/XX/XXXX and ending XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. The XXXX XXXX protects consumers who were affected during the XXXX pandemic. It is also reporting inaccurately compared to this exact item on my consumer credit report through XXXX and XXXX which shows OK- PAID AS AGREED ( This error violates XXXX XXXX XXXX ). 


Respectfully, 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 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Subject : Formal Complaint Regarding Illegal Account Freeze and Funds Withholding I am writing to express my deep concern and frustration regarding PayPals unlawful actions of freezing my account without providing any valid reason or due process. On XX/XX/scrub>XXXX XXXX XXXX I received a notice ( Reference ID : XXXX ) indicating that my account was restricted and that my funds would be held for 120 days. This action was taken without prior warning or explanation, and no sufficient grounds have been provided to justify this extreme measure. 

PayPals decision to withhold my funds without any legal basis or notification of any wrongdoing constitutes a violation of my rights under both federal and consumer protection laws, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) : The EFTA prohibits the unauthorized freezing of funds without due notice or opportunity to address potential concerns. PayPals actions violate this law by restricting my ability to access or transfer my legally owned funds. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act : Freezing my account without clear communication or a reasonable basis is considered an abusive practice, as it severely hinders my ability to conduct business and manage personal finances. 
3. Breach of PayPal User Agreement : The account freeze and subsequent withholding of funds fail to align with any legitimate grounds outlined in PayPals own User Agreement. I have abided by all terms and conditions, yet PayPal has acted arbitrarily by imposing these restrictions.

Additionally, the fact that PayPal is preventing me from removing my bank and credit card information from the account places my financial information at risk of theft and unauthorized use, which is completely unacceptable and may lead to further liability for PayPal under data protection laws. 

I hereby demand the immediate release of the funds currently held in my PayPal account and the ability to transfer them to my designated bank account. Furthermore, I request the removal of all stored financial information linked to my PayPal account to protect myself from any potential fraud or misuse of my personal data.

If these actions are not taken promptly, I will be forced to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and potentially initiating legal action to recover the funds and address damages caused by PayPals actions. 

Please address this matter immediately. I expect a resolution within three business days of this correspondence. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original creditor is XXXX XXXX XXXX. Amount balance is {$680.00} for a credit card from that I have never opened and it is currently in collections. I seen the email that was involved when I contacted Resurgent capital services, and seen that it belongs to my ex. Therefore I have never knew of this account nor received the card or used the amount on it. I was working and living in XXXX XXXX working in XXXX at XXXX. The address they provided was the address of my ex girlfriend and I wasn't living at the address. Need this removed and off my consumer report as it is effecting my credit profile and having a lot of difficulties applying for multiple things. I never authorized this credit hard nor ever received any information of sort. Please and thank you. I need this to be removed ASAP off my consumer report as it is showing on my XXXX credit profile. Each attempt of dispute I make they are saying that it is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations.

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

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 2024-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
My loan was recently sold to a new lender, NewRez.

On XXXX I reached out via phone to inquire about potentially having the PMI removed through an appraisal. They assured this is something they offer and will get the paperwork started and I would hear something in the next week or XXXX. 

XXXX weeks go by with no correspondence. I reach back out via phone and was advised to give the paperwork another couple of days as it was certainly mailed out. 

A week goes by and no correspondence. I called again in the beginning of XXXX. They advised to wait a couple more weeks for the paperwork to come. 

I still haven't had any correspondence. I reached out again XX/XX/XXXX and was advised they are going to send the paperwork via my online portal and I should receive it that day due to when the loan got transferred, supposedly not everything transferred over - which is the first time anyone ever mentioned that. 

I never received anything. I called back on XX/XX/XXXX and was advised that something wasn't submitted for the file to go through but he would do that ASAP and I would receive the information. I asked to speak to a supervisor several times during this call which I was advised one is not available. 

I still have not received any information and keep getting the run around everytime.

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 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
On XX/XX/year> I started a transaction in the Wise App, sending XXXX {$5000.00} from my XXXXXXXX XXXX  account to a beneficiary in a XXXX XXXX account. 
On XX/XX/year> the money was taken from my XXXX account and it was expected to be deposited in the beneficiary account in up to 2 work days ( XX/XX/year> ). 
As the money wasn't deposited I have contacted Wise via their chat in the app. 
They said that " XXXX XXXX '' ( their partner in XXXX ) has sent an email to the beneficiary, asking for some information. The beneficiary didn't receive any email from " XXXX XXXX ''. 
I have contacted Wise again, and they said they have " escalated to some team '' and that I should wait for a response. 
I have contacted them again, and they asked the beneficiary bank statement showing that the deposit didn't happen. I have sent to them via app chat. 
In the next day I have contacted wise again, and they said that " XXXX XXXX '' has sent an email to me ( the sender ) on XX/XX/year>. I didn't receive any email from them. 
I asked for a refund, because it became clear that they will not deposit the money in the XXXX  account. 
They said I need " to patiently wait ''. 

I am reaching CFPB with the hope that we can reach a solution as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief