vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Review the attached documents, and I request an investigation into these accounts where I have never been late but am being reported as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Used XXXX Toyota XXXX purchased in XX/XX/XXXX from XXXX Toyota dealer at XXXX miles for {$23000.00}. 
Ultra high interest rate 19 %. I was told after two months I would qualify for a reassessment of my interest rate for a lower rate aligned with the market. 
I tried over and over and after 6 months of on time payments around XXXX XXXX i could not lower my rate. Now it has been 11 monthly payments and I have never missed a payment. My credit is around XXXX and I cant believe I am stuck around 19 % interest my principle is barely being paid down. 

I was forced to get product bundles for this sale that are not relevant and did not want. 

I feel so taken by Toyota banking! Now I see there is a lawsuit and I want to be part of the class action lawsuit for this financial settlement per add ons I have been forced to pay up front and with interest! 
This has really hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am reaching out to urgently address a matter of significant concern involving Wells Fargo and a promotional bonus offer that I believe has been unjustly denied to me. This issue not only involves a potential financial loss but also raises serious questions about the bank 's adherence to its own promotional agreements and commitments to customers. 

Specifics of the Case : Initial Account Opening and Offer Terms : On XX/XX/2023, I opened a new checking account with Wells Fargo, motivated by a promotional offer clearly stated at the time of account opening. This offer explicitly promised a bonus upon meeting specific eligibility requirements within a designated timeframe. 

Compliance with Stipulated Conditions : According to the terms of the offer, I was required to open the account with a minimum deposit and receive a total of {$1000.00} or more in qualifying electronic deposits within 90 calendar days of the account opening. I diligently fulfilled these conditions, ensuring compliance within the specified period. 

Validity of the Offer at the Time of Agreement : Crucially, the offer was valid and in effect at the time of my account opening on XX/XX/2023. The expiration date of the offer ( XX/XX/2023 ) does not negate the validity of the contract formed at the time of my account opening, nor does it diminish my eligibility for the bonus, given that I fulfilled all requirements within the stipulated 90-day qualification period. 

Unjust Denial and Inadequate Response : Despite fulfilling all the conditions, when I inquired about the bonus, I was informed that the offer had expired and that I was ineligible. This response is not only inconsistent with the terms of the agreement but also lacks any substantial justification, considering the timeline of my compliance and the active status of the offer at the time of my account creation. 

Failure in Follow-Up Communication : Adding to the concern, the customer service response has been unsatisfactory, with a lack of clear explanation and a failure to follow up as promised, indicating a serious lapse in customer service and accountability. 

This situation represents more than just a personal financial grievance ; it signifies a potential breach of contractual promises and a disregard for customer rights and expectations. The failure to honor a valid promotional offer, coupled with inadequate customer service response, undermines the trust and confidence customers place in Wells Fargo. 

I urge you to give this matter the serious attention it deserves and look forward to a prompt and equitable resolution as this is outright fraud.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not recognize inquiries on report. I have asked for them to be removed and Credit Bureaus have not removed them.

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 2023-11-20 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: TX

Complaint narrative:
The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.

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 2023-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company did not provide the proper paper work to verify the accounts still being reported. Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on and I received a response stating that the accounts were verified however I do not have a copy of my wet signature indicating so. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report.

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 2023-11-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I was originally sold on a modification from a previous mortgage company. I was set up for a 6 month zero interest agreement that would pause my mortgage payments. After that timeline expired I was contacted by Mr. Cooper stating the same agreement as before, I agreed but then at the end of my agreement I was told this was a loan modification and I had to pay back the XXXX or sell my home. I have a family of XXXX including myself, XX/XX/2023 I under went XXXX XXXX XXXX and I lost my job in XX/XX/2023. Reluctantly I was forced into a terrible loan modification that made my rate go from XXXX to XXXX and my monthly payments went from XXXX to XXXX a month. We are in desperate need of help, also Mr Cooper told me that I'm also responsible for a XXXX deficit caused by my previous mortgage company because they messed up the escrow amount. I'm also a combat vet that is XXXX percent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I got inquiry from XXXX on my credit report..I do not have active credit card or car loan with 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 non-monetary relief
Consumer complaint received 2023-11-20 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX XXXXXXXX, I checked out in XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC. The same day I checked in in another XXXX XXXX in XXXX, GA for 7 days. I spent a little over XXXX months at the XXXX in XXXX, I used to pay weekly. While I am in XXXX, XXXX XXXX in XXXX got XXXX USD on my account for the same week of XXXX to XXXX of XXXX. I discussed that with my bank and they reversed the money. Recently, few weeks ago, when I verified my account, I see that XXXX XXXX got the XXXX again. I reached out to chase customer service, I spoke to different agents for a period of two weeks, they requested documents which I provided. At the end of the day they told me that they could not do anything because the merchant said that I checked out on the XXXX of XXXX. I don't have support of that, I requested proof they didn't provide to me but I have my statement from the XXXX XXXX in XXXX where I was, I have my bank statement where I pay extended Stay in XXXX for XX/XX/XXXX to XXXX. I also have the reservation that will be attached herein. They wrongly got my money and the Bank agreed to give my money to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter on XXXX XXXX that Wells Fargo had decreased my credit card limit from {$6000.00} to {$1900.00}. The explanation on the letter was vague but said it was based on low usage, high balances, or too many inquiries. When my limit was decreased my credit score was XXXX. Now because of the decrease of my limit my credit score has gone down XXXX points. I am a XXXX XXXX XXXX and a long time customer and not sure what factors they used to decreased the limit so drastically. I am trying to purchase a new home and because of this decrease I am not going to get approved. Wells Fargo is telling me that I need to reapply to do a credit limit increase which is crazy since now my score is very low. This decrease is affecting my ability to move, live and maintain. I have never experienced this. The score they had on the letter they sent me said my score was XXXX in XXXX which is false. My score has never been XXXX. I would like them to reinstate my limit immediately.

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 2023-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
On XX/XX/2023 I signed up for XXXX XXXX via online platform which advised I could cancel my membership within 30 days with no penalty. I called XXXX on XX/XX/2023 XXXX  XXXX XXXX  and advised I would like to cancel my membership and was advised by the man who answered the line I would have to go online to Cancel.XXXX. I e-mailed as instructed and advised I would like to cancel my membership. I received a confirmation email on XX/XX/2023 XXXX XXXX XXXX form From : XXXX advising my membership has been canceled. I called XXXX  again on XX/XX/2023 XXXX  XXXX XXXX  and XXXX XXXX  to confirm my membership was canceled and spoke with a young man named " XXXX '' which he could not pull up my account and advised my membership was canceled. On XX/XX/2023 I received a letter from Aldous and Associates that I owe XXXX  {$7000.00} for canceling my membership and that I must pay this amount before or by XX/XX/2023. I went to XXXX on XX/XX/2023 at XXXX XXXX  mountain time and asked if I could have my contracted printed out and spoke with 2 separate men who discussed my account and advised that they could not print out my actual contract. When I asked for their name, they refused to provide their names or manager names. I am disputing this bill as I canceled my membership within the time period. I did not receive any emails or letters from XXXX advising that I was in " default '' with them. The only notice I received was the letter and email from Aldous and Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On Monday, XXXX XXXX, I applied for a loan but couldn't get an accurate rate due to my Transunion credit report having a " credit or security freeze '' that I did not authorize.

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 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The following charges were made to my Ally Bank credit card. I did not authorize these charges. Ally Bank states they are valid charges. I have disputed these charges with them several times. Ally Bank is not helpful in resolving this matter. Please help. Thank you. 

XXXX {$29.00} XX/XX/2023 XXXX  {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX  {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXXXXXX {$29.00} XX/XX/202XXXX XXXX XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXXXXXX  {$29.00} XX/XX/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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2023 Ive submitted a dispute to update my current address and remove my fathers address from credit report due to fraudulent account being opened at this address without my knowledge. 

I have submitted a XXXX Police report XXXX And identity theft report XXXX In adddition to lease and utility bills to current address. 
I was never aware of these accounts associated with XXXX and want 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 non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief