vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX I borough a XXXX XXXX XXXX  from a XXXX dealer where I give a trade-in and in order for me and my son to have the deal done was that I had to get all the extra warranties ( GAP, Tire & Wheels, Prepaid Maintenance and Vehicle Service Agreement ) if I want the loan even that my son 's credit was about 700s and my around 650 so we accepted the deal. This happened in XXXX 
Now, on XX/XX/ we relocate to XXXX  due to my work, by the beginning of XXXX my son and I decide to cancel the extras warranties and I call multiples dealers around the area and i got told that the original sale dealer is the only one who can cancel it also called the XXXX XXXX and was the same answer at the same time. 
On XX/XX/ I took a flight from XXXX XXXX XXXX XXXX just to be able to cancel the agreement in person just because the dealer said it that was the only way to do it. 
My Agreement Cancellation Request was done at the dealer on XX/XX/ causing me expensive like flight fare, missing work, food, transportation and I got told that this process will take around 4 weeks to be done. At week 5 after cancellation date the refund was not resolved, I called the XXXX XXXX to get an update on the cancellation status and my surprise was that they did not have any record of the request, so I proceed to ask them if I can cancelled my self with the " Agreement Cancelation Request '' that I got from the dealer and they accepted so I faxed and email it to them 3 days later. 
By week 6 after cancelation ( 1 week later after I faxed and emailed documents ) XXXX XXXX still have not process my request. After multiples calls that last several days to the dealer and the XXXX XXXX finally by the end of XXXX the XXXX XXXX revived my Cancellation Request but they told me that they have 30 day to credit it to my account. 
With all the digitalization and technology aviable at their own convenience for sales only in todays day still a nightmare to do a cancellation but it is not a promised or guaranty that this will take 30 days max may be more if is necessary they said In the meantime I still pay interest for all that money in a daily basis that no one want to be liable for it and somebody should have between XXXX XXXX and Dealer. 
There is not respect to customers went comes about cancellations and claims but went is about sales of course there are the # 1 and exceptional in what they do because is convenience for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
My husband lost his job just after we bought the house. We were behind XXXX payments, made a payment, and asked about having them put those XXXX payments to the end of the loan, as we were able to start making payments again but couldn't afford XXXX past due payments plus the XXXX payment. They said that they only offer that if we're 90 days past due. The customer service rep said he's technically not supposed to give mortgage advice but said if we let it hit 90 days, then we could see about having those put to the end of the loan. We hit 90 days, and I have spent a total of 4 hours on hold, I've selected the option to have their system hold our place in line and call us back when it's our turn 3x, none of which have resulted in a call. I selected the wrong option intentionally in their automated system just to speak to ANY human, who told me he can't help because that's not his department but he'd send an email and have them call me that day no matter what ( that was 2 days ago, no call ) and I've also filled out their contact me form, no call. I don't really want my home to go into foreclosure because THEY can't pick up the phone or call me back. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
ECSI response has been useless. Through this complaint, I request ECSI explain the dispute process for my loan. Exactly explain how I could dispute your false loans without valid MPN? Explain how I can consolidate them to make them federal. Give clear answer or expect a large lawsuit that shuts down all ECSI for all students forever. You can expect both ECSI ( federal + private ) shut down forever. This is last warning for ECSI to give clear answers other than blaming the university.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Today, XX/XX/XXXX, I attended a Small Claims lawsuit hearing brought against me by Portfolio Recovery Associates LLC, represented by XXXX XXXX XXXX. In the Small Claims document it states that I owe {$810.00}. I explained to the lawyer that I have a document sent to me from Portfolio Recovery Associates LLC on XX/XX/XXXX that states I owe {$850.00} and that the telephone number on the Small Claims document is not mine. It is an Iowa number and I have never lived in Iowa. He said that sometimes minor discrepancies like these happen but that I still have to pay. I asked that he present documents showing that the debt is mine and that I formally deny that the debt is mine. He went on to explain preponderance of evidence and that he was sure I would have to pay regardless of the errors. He assigned a trial of XX/XX/XXXX. He said XXXX XXXX would me validation of debt package. In addition, I am XXXX XXXX XXXX, retired and my only income my Social Security monthly benefit. I would like CFPB 's help in this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I previously disputed a credit card bill from FNBO credit card issued to my now deceased husband, and file a CFPB complaint XXXX. FNBO response references a XXXX XXXX XXXXXXXX Credit Card Account, and refers to a letter dated XXXX XXXX, 2023 which states " A third party verification service reviewed the application and provided us with information indicating you completed the application ''. 

I have requested clarification regarding the XXXX XXXX XXXXXXXX Credit Card Account and copies of the third party verification and the application reference. I further asked for clarification of the distinction between joint ownership and primary cardholder As I explained my now deceased husband applied for the FNBO Credit card before we were married. I never applied to be included on the account and I never used the Credit card.

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 2023-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olympus Law Firm, PLLC
State: UT

Complaint narrative:
I have asked numerous time for a detailed account of the charges and they can not be provided. XXXX of the debt is from XXXX  that is over XXXX  year ago. The statue of limitation is XXXX i believe they are trying to collect on debt that they can not prove is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Apple Card/GS bank USA , account number XXXX. I asked this company to cease and desist all company and Im doing so one last time now. This company is made aware of FCRA law 15 United States Code 1692 ( C-A ) and still decided to knowingly violate this consumer law, this company claim they have the recieved my written request to cease and desist all communications with me well Im also making them aware of that request here, through the CFPB. GS bank again Please cease and desist all communications with me ( XXXX XXXX XXXX ) as I refuse to pay this debt. My request should be respected under 15 US code 1692 ( C-A ) and I have a right to privacy under 15 US code 1681 ( 4 ). Under section 6804 of this title ( FCRA ) I have the right to opt out of any such debt. This will be my last attempt to get this fraudulent account deleted from my credit report. This will be discussed with my consumer law lawyer and your company will be subpoenaed to civil court if you still choose to violate FCRA consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, TransUnion, XXXX and XXXX have violated my rights by reporting these following accounts publicly without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 604a states that I have the right to privacy. My consumer report is not public information and it should not be treated as such. Anything I dont want on my consumer report should not be on my consumer report. 

USC 1681 section 604a section 2 state that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX, TransUnion and XXXX illegal reporting of my consumer report has made it difficult for me to obtain credit. 

I need XXXX, TransUnion and XXXX to show me proof that I have signed a written agreement with them in which I give them my permission to report and publish my consumer report as public information. When they failed to provide the signed agreement I need all these accounts deleted from my consumer report within 30 days of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am unable to access my Coinbase account. There was over {$8000.00} in there. I was told I'm unable to log in because I have a home in XXXX. I also live in the State of XXXX. I just want to close the account and have my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is refusing to cover XXXX $ in fraudulent XXXX purchases on my credit card. 
I did not purchase or receive the XXXX. These purchases occurred in XX/XX/2023 without my knowledge and I reported them to Wells Fargo within days. I filed a police report. Wells Fargo has refused my fraud claim and refused my dispute. Their investigation did not involve reaching out to me They stated in their written refusal that the charges appear valid. No other explanation. They did not send me information from their investigation and they never attempted to contact me. 
Wells Fargo is illegally refusing to cover their responsibility for credit card fraud and I would very much appreciate any assistance that CFPB could provide.

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 monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I called MOHELA regarding the false and fraudulent financial practices targeted towards my person between XX/XX/2023 to present ( XX/XX/2023 ). The notification system stated that the wait time to speak with a representative would be approximately 3 hours. I have been waiting on hold for over 3 hours to speak with a representative. 

Additionally, I notified MOHELA on XX/XX/2023 that the bill issued and notarized via U.S. Postal service contained several financial errors. Specifically, the bill continued to list my loans under the REPAY plan instead of the SAVE PLAN. Additionally, the bill did not list any interest, only the principle balance. I was verbally informed by the representative that there was approximately {$300.00} in interest associated with my account. 

It was determined in XXXX of 2023 that this information was false and fraudulent as there should be {$0.00} in interest. I requested that a corrected bill be sent to my person via U.S. Postal service. MOHELA never sent me a corrected bill via mail in XXXX of 2023. I continue to experience financial discrepancies due to MOHELA 's fraudulent business practices. 

I am still on hold to speak with a MOHELA representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has locked my account on their service center platform, and is not providing any solution to unlock it, and is asking me to give up access to their online platform. This is not reasonable. If you think there are some potential fraudulent activities on my account, then verify the information with me, and ask me to change the password. I do not understand why you must give me a permanent lock to " protect '' 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with XXXX. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing. 

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: NV

Complaint narrative:
I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with XXXX. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. 

I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing. 

I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. 

Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefor
e made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned thing. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) ADS-COMENITY-ULTA XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages. Thank you for your attention to this matter
. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

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