vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attached below is my notarized notice of intent to file a lawsuit that has been mailed to the registered agent of TransUnion, XXXX XXXXXXXX XXXX XXXX via certified mail, tracking # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TransUnion has violated federal by furnishing a consumer report on my behalf without following my written instructions and no consent is identity theft. Attached below is also my original identity theft report I have sent to TransUnion with all the fraudulent accounts and unauthorized inquiries that I have indicated to TransUnion as fraud over the phone which has been recorded and will be used as admissible evidence in court. TransUnion tried to deny me my rights to record but in Texas, you are allowed to record as long as one party is in agreement.

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 2021-10-19 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: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
please review the following accounts that appear on my credit report, without any authorization, do not belong to me. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 
XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I was approved for a XXXX XXXX Mastercard with a credit limit of {$300.00}. It is a private-label credit card through Genesis Financial Solutions dba Genesis FS Card Services . The issuing bank is XXXX XXXX XXXX Beginning in XX/XX/XXXX I encountered difficulty in making my minimum monthly credit card payments due to unemployment as a result of the COVID19 pandemic. To date I have been charged {$480.00} in fees and total interest of {$120.00}. I requested that the account be closed in XX/XX/XXXX due to the highly excessive fees. My most recent statement shows that I have a {$0.00} past due amount, an over limit amount of {$100.00} with a minimum payment due of {$140.00} on XX/XX/XXXX. Yet, I was charged a late payment fee of {$38.00} for failing to make a minimum payment of {$270.00} on XX/XX/XXXX. Instead, I made a payment of {$170.00}. This is at the center of my dispute with Genesis FS Card Services. In prior conversations with customer service representatives I noted my disappointment with the minimum payment structure for the card in relation to other credit cards I have through XXXX  XXXX, XXXX XXXX, XXXX, etc. I have a stellar payment history and positive credit reporting through those issuers. However, that is not the case with Genesis FS Card Services. It appears that Genesis FS Card Services includes the over limit amount in the " minimum '' payment structure which can be heavy. For example, my XXXX statement reflects that I had a minimum payment due of {$650.00}. This included a past due amount of {$180.00} and an over limit amount of {$590.00}. In addition I as assessed a Penalty APR of $ 29.99 % for failing to make a monthly minimum payment within 60 days of my payment due date. It is unreasonable to expect a consumer to make a {$650.00} minimum payment. Due to my unemployment status I have been paying down my balance at a reasonable level and to prevent further harm to my credit reporting ( payment history ). Genesis FS Card Services did not and has not offered a modified payment structure for customers impacted by COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
On XX/XX/21 I opened an account with XXXXles Schwab Bank. 
On XX/XX/21 I sent a transfer of {$12000.00} from my XXXX bank account to my Charles Schwab checking account. The transfer was received and credited to the Schwab account. 
On FridayXXXX I sent a wire transfer from the Charles Schwab account to my brothers XXXX  XXXX XXXX account . The online notification from Charles Schwab indicated that the transfer was successfully submitted. 
On the following Monday XX/XX/21 I discovered that the transfer had not been made and that my account was locked and under investigation When I initially called customer service I was told that as it was a new account, it was being scrutinized and it should be cleared up and unlocked in 3 -5 days.

Later on another calI, I was told by another rep that it would be 3-5 days. After more calls I was told it would be 5-7 days before the situation was resolved.

Now, going on 3 weeks and dozens of calls to the Schwab, I am being told that they are holding the account on lock down in perpetuity. They give no cause, no solution and are simply choosing to keep my account locked with no available action or redress on my part.

Customer service and their supervisors have told me multiple times they can only email the Schwab fraud team, the ones that are reported to have locked the account and hope for a reply.

I have heard this at least a dozen times now and yet no resolve. I spoke to a supervisor and was told the same exact thing word for word that they have no direct way of communicating with the fraud team and can only send emails.

Both the customer reps & the supervisors allegedly sent emails to the fraud department manager and still there has been no move to resolve the lock down On XX/XX/21 a Schwab rep told me that Schwab fraud dept. is waiting to get a verification from XXXX XXXX  of my account there ( where the funds initially came from ) before allowing me access to my money. 
On XX/XX/21 I placed calls to Chase Bank and was informed that they have not been contacted by Charles Schwab regarding this matter.

Schwab has confiscated the money in my account, given no indication if, or when it would be returned, and there is no redress to my grievances, or recourse to the situation.

Charles Schwab will not tell me why it was locked down or what can be done to unlock it. They further indicate they can keep my money in perpetuity. Therefore I am filing this complaint against Charles Schwab as they indicate they are keeping my money and leave me no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Had a XXXX  person living with me who I had known for a number of years thought I can trust him at his word when he said he is using my automobile to go to work and back and is only a few minutes 5 or 6 miles from my residence he lied to me and said he is working 16 to 20 hours a day and stays overnite on the job at times every couple days had put perhaps several dollars in gasoline in my automobile so he can drive to and from his job he said was only a few minutes away from my residence onXXXX on the last nite he came in over several hours after he said it was his last day of work when I threatened to call police and report him and my car missing he finally brought the car back I seldom if ever use the credit card nor travel more than 4 or 5 miles from my residence I have XXXX and am home or in doctors offices more often than not he brought the car back totally wrecked never made a police report left me with {$1100.00} in damage to the car he trashed the entire interior of the car and had XXXX XXXX XXXX and alcohol bottles scattered all over interior of my car my credit card insurance information auto registration and automobile manuals were scattered all over the floor and front seat of my car he was very intoxicated so I just went in my car and and took back my gas credit card automobile manual insurance information etc out of the car he had trashed he was too drunk to pay attention to me I told him he will leave or I will call the police and you can report the accident he called friends/family and they had took him away gave nobody permission to use my gas credit card and either keep the gas card in my car or in my house or in my wallet if I plan to drive or go anywhere found out when I got a letter from the florida dept of transportation that he used my car to run all over the state of florida without my previous knowledge my automobile XXXX florida plate number had over {$120.00} in toll booth violations since my car was being used to travel all over the state of florida without my consent or knowledge

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 2021-10-19 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: SC

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2021-10-19 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: NY

Complaint narrative:
On and off again ; From the first XXXX of the Year of XXXX to My new account t as of XX/XX/XXXX ; TOYOTA FINANCIAL SERVICES ; have been, I REPEAT AND I APOLOGIZE FOR MY TEXT LANGUAGE BUT THIS IS HOW FAR THEY HAD MAKE ME ANGRY ON HOW TO RESOLVE PAYMENT PROCESSING ISSUES ON THEIR SYSTEM ; I HAD THE WORST XXXX DISGUSTING TIMES WITH THIS HORRIBLE XXXX COMPANY AS IF I NEVER CALL THEM OR CURRENTLY HAVE PAST DUE AMOUNT DUE TO THEM NOT EVEN ATTEMPTING TO TAKE MY XXXX MONEY FROM MY XXXX BANK ACCOUNT IF I NEVER CALL AND HAD TO TALK TO OVER XXXX SUPERVISORS AND MANAGERS TO RESOLVE THIS ISSUE ; I WAS UNABLE TO GET ANY FOLLOW UP ON ANY COMPLAINTS FOR THEM TO MAKE SURE THERE WILL BE NO MORE ISSUE WITH THE PAYMENT ; ALL I SEE WAS AN ATTEMPT FOR THIS COMPANY TO REJECT ALL MY PAYMENT AFFECT MY CREDIT WITH BOMBARD THREATS AND CALL AS WELL AS NOW A POTENTIAL LAWSUIT WAIT FOR ME SINCE THEY ARE CURRENTLY REFUSING TO TAKE MY MONEY IN THE LONG RUN BUT IM STILL OWE THE LOAN ; THATS NOT FAIR AND I WONDERING WHY I HAD THIS PROBLEM WITH ALL PAYMENT ; I EVEN REQUESTED THEM TO REVIEW THEIR PHONE LOGS AFTER CLAIMS THEY WERE GOING TO DO AN INVESTIGATION ON MY ACCOUNTS ; I DONT KNOW IF THEYR ARE TRYING TO BE RASICT OR NOT BUT PLEASE GET TO THEM TO FIX THIS ISSUE AS I ALREADY HAD A THREEWAY CALL BETWEEN THEM AND BANK SEVERAL TIEM TO ADDRESS THIS ISSUE AND THIS IS STILL A XXXX PROBLEM THAT SHOWS THAT THEY ARE LEGALLY ATTEMPTING TO DAMAGE MY FINANCIAL FUTURE AND SECURITY ; PLEASE RE-READ THIS AS THIS IS MY CURRENTY STATE OF MIND WITH THIS COMPANY DUE TO THIS UNRESOLVED UNRESOLVED XXXX BELIEVABLE ISSUE IS STILL CAUSING ME PROBLEMS I ACTUALLY HAD THEM EMAIL MY COMPLAINT THIS TIME AS THEY LOST ALL DOCUMENTATION I REQUESTED WHEN I ASKED EACH REPRESENTATIVE TO REVIEW THE ACCOUNT TO ADDRESS MY ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oklahoma Student Loan Authority
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: NJ

Complaint narrative:
Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Contacted creditor at the beginning of the pandemic requesting to change payment date from the seventh to the XXXX. Months later I applied for a mortgage approval that I was approved for {$400000.00}, my lender said that my XXXX balance was a bit higher than expected to be and the car payment amount seem to be high which was reported to be over {$900.00} per month at that point. I called the creditor to fix the situation they said they can not do that. I filed a dispute and the creditor retaliated by putting five late payments on my report. Creditor refuses to stay in compliance with the governor XXXX XXXX executive order in the state of New Jersey that states no creditor or credit reporting agency should report delinquent late payments if the account was not in delinquent status prior to when the pandemic began until 120 days after the state of emergency ends which is XX/XX/2022. This creditor has cost me a mortgage denial of {$400000.00} plus {$3000.00} per month for six consecutive months for an extended stay hotel suite . I am asking the lender to contact there legal department and review the governors executive order in regards to credit reporting and the pandemic that is still in affect and remove the two late payments that they put on there. This is financial abuse to me and my family and I will seek civil action in regards to monetary and credit losses. My credit score went from excellent credit to fair credit which cost me numerous denials based on their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: WV

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief