vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX  ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX  Creditor Name : SYNCB Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.

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 2021-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have been contacting Toyota Financial Services regarding several accounts that I do not owe anything. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for Toyota. And lastly a incident report because Toyota has forced me to contact the police to resolve this matter. I have been dealing with this issues for years and it has affected my life very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Please help me have no where else to turn, I am totally lost. I am a single mother of XXXX, lost my job due to covid-19, for XXXX  I ordered my kids toys from XXXX, XXXX  came and went toys never arrived did not have money to replace toys, told my kids due to covid XXXX was running late with toys, so we waited. When I saw nothing was happening I decide to get my money back from XXXX. This is where citi bank comes to play, step by step I told my XXXX XXXX XXXX, ( FIRST MISTAKE ) THEY ANSWERED AND SAID XXXX, I explained what happen, he said yes they had alot of problems with mail DUE TO COVID19, so they where giving back the money, but you must download this app called QUICK SUPPORT AND DO NOT TOUCH MY CELL HE IDENTIFIED MY PHONE HAS AN XXXX, AND LIKE A GHOST HE WAS ABLE TO MOVE ALL KEYS ON MY CELL, HE STOLE XXXX LEAVING XXXX BALANCE, THIS ACCOUNT IS A SSI ACCT. FOR MY DAUGHTER I WAS JUST THE PAYEE SHE IS XXXX, GOD BLESS ME WITH A FOREVER BABY, HER NAME IS XXXX THE ONLY REASON THERE WAS SO MUCH MONEY IN THAT ACCT. IS BECAUSE UNFORTUNATELY THE XXXX STIMULUS WAS IN ACCOUNT, WHEN THEY STOLE THIS MONEY THEY STOLE ALL WE HAD, NOTHING TO EAT, NO MILK NO EGGS NOTHING, I DID ALL I WAS TOLD TO DO, OPENED NEW ACCT. WITH A XXXX BRANCH OVER CELL, COME TO FIND THERE ARE NO CITI BANK IN THIS NEW STATE I MOVED TO IN PENNSYLVANIA, I SOON I GOT OF PHONE WITH THE THEIVE I CALL BANK IMMEDIATELY SECONDS, WENT TO MY EMAIL AND RESPONDED IMMEDIATELY TO YOUR FRAUD ALERT, I HAVE NOTHING PLEASE HELP ME I FEEL SO LOST NO WHERE TO TURN, I CALLED BANK TO SPEAK TO FRAUD DEPT. AND THEY SAID IT WAS DENY, XXXX DOLLARS IS LIKE A XXXX TO US.CAN YOU PLEASE LOOK IN THIS CASE, THIS IS A DISSABLITY ACCT. I BEG YOU I HAVE NOONE IN THIS STATE I DONT EVEN HAVE A JOB NOW, WE NEED THIS MONEY TO SURVIVE. THANK YOU, GOD BLESS STAY HEALTHY AND THANK YOU FOR READING THIS. PLEASE LOOK AT ACCT. DESPERATE MOTHER, XXXX XXXX XXXX FOR XXXX XXXX XXXX MY CELL 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 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
GOOD DAY I SUBMITED MY LOAN MODIFICATION REQUEST AND WAS GRANTED A LOAN MODIFICATION. I HAVE FOR THE LAST THREE MONTSH HAVE BEEN MAKING MY TRIAL MODIFICATION PAYMNET ON TIME. EACH TIME SENDING THE PAYMNET VIA CERTFIFIED FUNDS AND MAIL. 
I RECIVED A DOCUMENT FROM FAYE SERVICING THAT SAYS MY MORTGAGE PAYMENT WILL INCREASE ANOTHER XXXX XXXX DOLLARS NOT TO MENTION THAY HAVE INCREASED SEVERAL XXXX  OF DOLLARS TO MY PRINCIPAL MORTGAGE. I HAVE ATTCHED THE CORRESPONDENCE. 
I WILL CONTINUE TO MAKE MY TRIAL PAYMENT AMOUNT WHILE I ASK FOR YOU HELP IN GETTING SOME ONE FROM THERE EXCEUTIVE OFFICE TO PROVIDE A PAYMENT HISTROY, IN ADDITION AS TO HOW MY PRINCIPAL HAS BASCIALLY INCREASED BY XXXX  OF DOLLARS. 

I am writing to you regarding my loan modification document which I received on XX/XX/2021. I have left 2 messages for XXXX XXXX with no response. 
My principal balance on my Fay Servicing XXXX statement shows as {$240000.00} and my escrow balance shows as - {$9400.00}, total being {$250000.00}. The principal balance on the loan modification document shows as {$270000.00}. Thats a discrepancy of {$20000.00}. In my messages to XXXX I asked for a explanation of this discrepancy. 
I can not sign these documents without an explanation as there was never an agreement for Fay servicing to add {$20000.00} to my principal balance. 
As you are requesting these documents be signed, notarized and returned by XX/XX/2021, this issue is paramount. Giving me 5 days to review, sign and notarize is not acceptable. 
Please advise me of the discrepancy between the loan modification documents principal balance and my most recent statement from Fay servicing immediately. You may respond by email or you may call me at XXXX and/or call my HUD representative, XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: FL

Complaint narrative:
The XXXX XXXX XXXX is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account.

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 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
My name is XXXX XXXX, a consumer who recently saw a alleged debt on my credit report from Transworld Systems. I have never been in communication with this company about alleged debt and I never gave them approval to have my information or to furnish anything on my credit report. I recently sent a debt validation letter to the company in regards to whats on my consumer report and I have no received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty angry right now to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible. 

Thank you, 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 2021-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Regarding : - My Private, Federal, Department of Education Student Loans Concern : 1. Origination Process a. XXXX XXXX should be held accountable for lack of ethics, underwriting, deceptive marketing practices, price gouging, and absence of clarity to uneducated borrowers by not explaining truth in lending. XXXX XXXX knowingly failed to recognize my financial understanding, vulnerabilities and financial position during the origination process. 
b. Both XXXX XXXX College and Sallie Mae should be held accountable for originating loans designed to fail 2. Repayment Servicing a. Sallie Mae Bank and Navient Solutions , Inc. should be held accountable for course-plotting me into five of the six forbearances when IBR should have been made available, for omitting pertinent information that would allow me to make informed financial decisions on multiple occasions, for false claims stating theyre willing to act in the best interests of the borrower if the borrower calls in for assistance, for misallocating and misapplying payments, for numerous errors on their website, for misinformation given by customer service representatives, for being placed on hold for an hour and a half, for lack of clarity and transparency and for a substantial monetary injury to both myself and my husband.

Please see my 13 page complaint letter and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This is an Amendment to Complaint # XXXX. 

Since CFP will be forwarding documents to Wells Fargo, I will not be sending them separately UNLESS they request the documents. I've already spent ALL WEEKEND going through my records, scanning documents, and now filing an Amendment to my original 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 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Did not remove the inaccurate accounts, according to the provisions of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them 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 explanation
Consumer complaint received 2021-01-25 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: CA

Complaint narrative:
Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TN

Complaint narrative:
Did not remove the inaccurate accounts, according to the provisions of the FCRA

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 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Deposit Cash {$840.00} at the Santander Bank ATM machine on XX/XX/2020. I waited for the deposit receipt. Waited for my deposit receipt. A message on the ATM machine stated unable to deposit your money. I waited for my money {$840.00} to be dispense from the ATM machine. Unsuccessful. The manager Mr. XXXX informed me that he checked the ATM machine and discovered that I did deposited the {$840.00}. He called the claim department in front of me and stated that I did deposit the stated amount. He also stated that the ATM machine is out of service. Mr. XXXX submitted a claim for me. The {$840.00} was deposited into my account the next day. On Sunday XX/XX/2020 I discovered that my checking account was overdrawn. When I called Santander Bank Ms. XXXX from the claim department, she stated that my claim had a overage of {$620.00}. 
This amount was taking out of my checking account. I am a retire XXXX XXXX  XXXX XX/XX/XXXX Office. I serve for 25 years. My Total Monthly income is {$5000.00}. I am devastate that I a accuse of a crime. I will be taken legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I opened a card with Lowes/Synchrony Bank under promotional terms for a purchase in XX/XX/XXXX. The credit limit was {$3000.00}. I continued to pay on the balance per the terms on the card. In XX/XX/XXXX this credit limit was suddenly reduced to {$1300.00}. This reduction placed my account in " over the limit '' status as the balance was {$1300.00} before fees and interest. When I called to inquire about the change in limit and why the company chose a limit below my present balance on XXXX XXXX, XXXX, I was told by customer service they could not give me any specific information. Customer service also said that a letter explaining their decision had been mailed to me. Approximately 10 days later I received this letter ( attached and annotated ). The letter did not mention reasons explaining the choice to reduce the limit below my balance, rather it referred to information from my XXXX  credit report as a reason to reduce the limit generally. This information was inaccurate, so on XXXX XXXX, XXXX I called customer service again. This time I complained explicitly of their placing my account in " over the limit '' status and the inaccurate credit report information as their action had lowered my credit rating by XXXX points. I asked for a correction of information and raise of my credit limit. ( For example, XXXX  showed my FICO8 score as XXXX as of XXXX XXXX, XXXX, but Lowes ' letter cites a score of XXXX in their decision-making. ) In processing my request the company hung up on me and did not call me back. To date, no remedy or limit increase has been taken by Lowes.

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 2021-01-25 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: CORELOGIC INC
State: IL

Complaint narrative:
I didnt authorize the hard inquiries.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm filing a complaint against XXXX, TransUnion, and XXXX  because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm filing a complaint against Equifax, XXXX, and XXXX because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.

Company response to consumer: Closed with explanation