vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : XXXX XXXX XXXX where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.

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 2021-05-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2021 Toyota Financial Services received a check for a payoff of my lease. On XX/XX/2021 as seeing the account was still open and showing past due, I called Toyota Financial Services to inquire about the status of the payoff. I was told that Toyota was missing the odometer statement that was needed for payoff and once the odometer statement was received the account would be closed and paid off. On XX/XX/2021, I called Toyota Financial Services to check on the status of the account and odometer statement. I was advised the odometer statement was received and the account was heading towards being paid off and closed which would happen by XX/XX/2021. On XX/XX/2021, seeing the account was still opened and still being reflected as past due, I called and was advised the account was in the process of being closed and paid off yet again. On XX/XX/2021, I received a call from Toyota 's Collection Department stating the account was 29 days past due. I informed Toyota that they received a payoff dated XX/XX/2021 and the account wasn't past due, that Toyota needed to do their job and process the payoff.

Toyota has engaged in unfair and deceptive practices as not to process the pay off of the account. Toyota has financial harmed me by having this account reflect as past due and reporting a 30 day late payment to the credit bureau, which is factually incorrect. Toyota continues to cause financial harm to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I put in a dispute with XXXX because a excursion took our money and never came and pick us up for the excursion they never answer their phone XXXX had me on the line and could not reach the excursion people by phone either stated i should receive a refund within 72 hours never got it called back 72 hours later they stated it would take another 72 hours never received refund called back stated it will take to the end of the month never got a refund and they will not refund me my money back from XXXX but they couldnt reach them either but we still was not able to get my money back so then I went to chime my bank account and I tried to do a dispute with them they told me that the dispute they stated that the dispute will take 10 days and I waited 10 days I asked for an update never received an update and so when I finally called back a month later they told me it was gon na take 90 days and I still havent heard anything back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
Hello. This is a response to a listing on my credit report. Please be advised that Penn Credit Corporation has reported " invalidated information '' to the credit bureaus ( XXXX, XXXX, and XXXX  ). This may constitute fraud under both federal and state laws. Also a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

On XXXX, XXXX XXXX XXXX placed an account with XXXX XXXX XXXX  on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number : XXXX ). This year ( XXXX ) CONSOLIDATED is trying again to place this account on my file ( for collection ) with a different collection company ( PENN CREDIT CORPORATION ). I am prepare to take legal action if this information is not removed from my credit file. Please assist. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: IL

Complaint narrative:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 148 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: WV

Complaint narrative:
XXXX is foreclosing on property. Said I had abandoned it. Have tried several times to contact the company by phone, fax, and priority mail. They will not respond. 

The person involved is XXXX XXXX NOVAD Management Consulting llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have our accounts with Wells Fargo and use Bill pay through them. We had paid the first few payments and they got them to XXXX XXXX  with no problem. About XX/XX/XXXX XXXX XXXX contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted Wells Fargo both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at XXXX XXXX. 
I have spoken to both XXXX  and Wells Fargo at least 15 times two times it was a conference call. Wells Fargo has debited my account for the payment both months but no one seems to do or really care how long this process takes. 
It took me 3-4 phone calls to XXXX  for them to understand that this was not a check in the mail. It was send electronically from Wells Fargo to XXXX  and has been accepted on their end and put somewhere. Two seperate times Wells Fargo and I have sent proof of payment to XXXX XXXX and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. 
I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. 
We are seniors my hubby is XXXX and XXXX and very XXXX  and I am taking care of him. This hardship is killing my ability to care for him. 
Please help me if you can neither of these banks seem to know how to solve a problem.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have an old closed XXXX credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with Experian dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past XXXX XXXX XXXX XXXXXXXX years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.

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 2021-05-24 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: CITIBANK, N.A.
State: GA

Complaint narrative:
We have had this dispute with Citi for over a year. We assumed this issue was taken care of because we didn't hear from them anymore. We had an issue with Citi saying we owed them {$6200.00}. We told them that XXXX which our balance transfer went through had a positive balance of the {$6200.00}. It was a long drawn out process but XXXX finally released that money back to Citi in XXXX. Now you would think this story is over since Citi now has that negative balance paid off. It's not. I thought my credit score would have gone back up after paying off that balance. I use XXXX XXXX  and there was nothing on there that had Citi on there anymore. It was like it never existed. Which is what we wanted, but my score remained the same. When I contacted XXXX  they told me I have a {$6200.00} balance with Citi. I said, no, that was paid off in XXXX. They said, no sir, it is on there. XXXX XXXX doesn't show it you need to go directly to us to see it. Now I call Citi to see what happened now. It's been over a year of phone calls. Well evidently they put me on a, " do not communicate status. '' I am not sure what they even means but the girl on customer service said, we are not to talk to you about this account. I didn't even know what was a thing. So now I am sitting her with this hurting my credit score. I have a company that put me on a do not communicate with this customer. That means they haven't sent an e-mail, a letter, or anything telling me that my account still has a balance. They closed this account. I want this taken off my credit report. I am trying to not have to take legal action again to get this resolved. If that is what they want to do, then they have to let me know. I know XXXX thing, they will not be getting any payments from 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 explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
Gemini allowed my account to be funded despite it being under Pending Verification status. This status does not allow users to withdraw money in their Gemini accounts. This issue creates a somewhat Frozen account where the user is unable to withdraw funds but can somehow still add funds to make purchases. This feels highly illegal as you should not be able to add funds in the first place if your account is pending verification. I have tried contacting customer service so many times and I have received no answer yet in over a month. I have called the company as well and they re direct you to customer service. I am unable to access the funds in my account and need the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
I reported the card stolen in XXXX when I saw purchases at stores I never went to. Paypal issued a new card but holding me responsible for purchases made with that card & purchases from a card I reported stolen. XXXX through XXXX Ive called Paypal direct, chatted online & disputed XXXX transactions through XXXX Resolution Department totalling over {$2900.00}. Every case/dispute I filed Paypal closed my case in favor of the customer & refunded the customer twice. I filed a police report against the customer for identity theft & fraud but Paypal is holding me responsible for a card that was stolen & charges at stores I never completed. As of today my account cant be accessed by me & in collections despite everything & all my efforts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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 — Problem with personal statement of dispute
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Im putting you both on a XXXX hour legal noticed before a lawsuit with be filed on both of your companies for violation the FCRA and the FDCPA. XXXX XXXX XXXXXXXX I have sent in Numerous complaint warning you about the violation and you refused to investigate or to remove the account from all credit files my EM would be failure to conduct a proper investigation and punitive damages indicating that you cause me to file Chapter XXXX bankruptcy. You need to remove the tradeline immediately. Dispute remarks should have been placed on the credit report you failed. 

XXXX XXXX you also should have notified XXXX XXXX XXXXXXXX letting them know that I disagree with your lawsuit that you filed in the XXXX or XXXX Minnesota. I responded to your affidavit and sent it back to you in certified mail disputing the claim. Which put you in violation of the FDCPA or we could go the route of Section 1681 SI-2b Im warning you both if the item is not remove in XXXX hrs legal action will take place try me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: FL

Complaint narrative:
On XX/XX/2021 I was alerted of a credit inquiry on my credit for the US Small Business Administration ODA. I contacted the SBA and verified I did not submit this request and it was an attempt of fraud utilizing my credit. I have placed credit freezes, filed police report, contacted credit bureaus, and submitted fraud alert with indentitytheft.gov. Would like this inquiry removed.

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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I received a notice from XXXX that I have a collection account. I found that Southwest Credit Group has placed an account on my credit bureau. This account has been disputed with 2 other collection agencies and has been closed. But the creditor, XXXX XXXX, continues to place this account with other agencies. 

I am contacting you because I have been adversely affected by this credit reporting but SouthWest Credit Group has failed to notify me of this debt or their action to report this debt. I have received no notice or given the opportunity to dispute this debt. This is clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
They make numerous calls a day every day from different numbers and sometimes change the name on the caller ID to something else than credence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: CO

Complaint narrative:
I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector. 

I have yet to receive any of up but Experian resolves the dispute as information stands.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have recently paid off some credit card balance which is showing on my credit reports. What I don't understand my credit scores dropped. I have been dealing with credit forever and when paying down your debt your scores should increase.

Company response to consumer: Closed with explanation