vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I logged into Lexus Financial and made a monthly car payment in the amount of {$550.00} which was due XX/XX/XXXX. Lexus reported me to the credit bureau for being late. I. Contacted customer service on XX/XX/XXXX to inquire and the customer service representative stated, although our records indicate that you did in fact logged in on XX/XX/XXXX before midnight and submitted the payment, being that it was after business hours as well as a Saturday, the payment posted on XX/XX/XXXX. I tried speaking to a manager since I have been a long time customer and have always made payments on time for both cars which I am currently leasing, however, the manager refused to remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I have a credit card wit SunTrust credit card company and I call them on XXXX XX/XX/XXXX to find out out to go by as I want to pay 2 promotional balances before the due date, which one is on  XXXX {$1900.00} and the other balance is on XX/XX/XXXX for {$760.00}. The agent and supervisor told me if pay that balance, they couldn't allocate the payment to the promotional balances, instead my payment, total on both promotional {$2600.00} will go towards my new balance. I other words, thay can not be apply to the promotional balances. Which I found not correct, because they these two promotional balances are showing on my statement, meaning I could pay, why then, they put it on my statement. Their response was that I could pay the whole balance, which I'm not ready for it, neither I have that money, again, why then you are putting something on my my statement when the bank is not ready for me to pay. I do believe they are not been honest. I pay my credit card bill through an automatic debit every month and I don't even pay the minimum, but I will like to at least pay the promotional to avoid to have to pay high interest when they mature. Please help me as I believed they are not correct and the statement is not transparent, neither clear. Thank you very much!! XXXX XXXX cel number : 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 2020-02-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See enclosed statement XX/XX/XXXX Adjustment Purchases Temp Credits Confirm beginning of fraud investigations listed XX/XX/XXXX. see attatched XX/XX/XXXX WERIFY USAA CREDIT CARD FRAUD CHARGE If you still believe fradulent No Action needed by you we will pursue this as fraud on your behalf {$49.00} THIS WAS NOT REVERSED AND NEEDS TO BE MADE A PERMANET FRAUD CREDIT The temp one is listed XX/XX/XXXX. See attatched XX/XX/XXXX Letter says same thing Lists transactions {$10.00} XXXX XXXX XXXX XXXX THESE DID NOT REVERSE AND TEMP CREDITS NEED TO BE PERMANET. see attatched XX/XX/XXXX says same thing {$12.00} see attatched XX/XX/XXXX Letter says same thing transaction {$12.00} THESE DID NOT REVERSE. All these temp credits NEED BE MADE PERMANET. 
???? HAS USAA COMPLETED THESE INVESTIGATIONS begun OVER A YEAR AGO?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reached out to the credit bureau to ask to investigate the reporting of this account XXXX  XXXX XXXX they have claimed they have verified this as accurate when there is a clear violation in the reporting. This account is reading a charge off with a balance of {$4900.00}. This is a clear violation as a charge off should have a XXXX balance.

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 2020-02-25 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: CA

Complaint narrative:
EQUIFAX IS REPORTING ACCOUNT ON MY CREDIT REPORT THAT ARE FRAUDULENT, AND THE WAY THE NAME IS APPEARING ON MY CREDIT REPORT IS UNEXPLAINABLE. NUMEROUS TIMES I HAVE CALLED THEM TO RESOLVE THIS ISSUE ITS IMPOSSIBLE, BECAUSE THEY HAVE NO IDEA WHO THE CREDITOR IS EITHER. I HAVE COMPLAINED ABOUT THIS TO YOU ONCE BEFORE AND TILL THIS DAY I DON'T HAVE ANY RESULTS. I NEED TO KNOW WHO THIS CREDITOR IS THAT SO I WILL REACH OUT TO THEM AND HOPEFULLY GET TO THE BOTTOM OF THIS. I AM ATTACHING MY IDENTITY THEFT REPORT FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!

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 2020-02-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!

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 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I make my total mortgage payments ( $ XXXX/month ) paying {$320.00} bi-monthly when I get paid. I have been paying my mortgage like this for almost 2 years. Received a letter threatening foreclosure from my mortgage company claiming I am behind in my payments. I can submit proof I have NOT missed ONE payment ever.

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 2020-02-25 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XXXX report in file had two different names and two different social security numbers.

XXXX report wrong current home loan mortgage address.

XXXX report Real Estate Mortgage account was not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On my account there is a incorrect calculation based on the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My checking account ( XXXX ) was hit multiple times over a weekend and my bank did not reach out until the following monday to question a withdraw that I was told was denied. I was not given detail as to why it was. By this time nearly a {$1000.00} had already been stolen. That's not right. There is a way for credit card thieves to figure out your PIN. 

All through XX/XX/XXXX my account was hit multiple times and Chase never reached out. I did not have the card. Since I was hit with debit card transaction theft before, I keep the card at home and use a bank across the street where I live to get cash. So when I was alerted on the following monday at work, I had to wait until the end of the day only to find it lock up at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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:
I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS EQUIFAX AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019. 
The 3 companies are : XXXX/XXXX XXXX, OR XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XX/XX/XXXXXXXX, FL XXXX ( XXXX ) XXXX-XXXX XX/XX/2019 XXXX XXXX, TX XXXX ( XXXX ) XXXX-XXXX  XX/XX/2019

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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
The bank dont want to close my account. I visit 5 times the branch to close the account. The bank dont want to close my account. I ordered them to close my account giving a letter to the advisor of the branch and dont make any action. I email close order and they dont take any action. The ignorance of the bank has caused charges on my accout due to the bank irresponsability. I have transactions on my account undefined. I want every transaction defined with a name of the merchant amount and check number as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Choice Recovery, Inc.
State: VA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND THE COMPANIES THAT REPORTING ON MY CREDIT REPORT ARE FRAUDULENT. JUST BECAUSE ITS XXXX  AND BIG COMPANIES IT STILL GIVES THEM THEM NO RIGHT TO REPORT FRAUDULENT INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE BEEN REACHING OUT TO THEM FOR MONTHS, I HAVE REACHED OUT TO THE CREDIT CARD COMPANIES AND THEY CANT FIND ME ON YOUR DATABASE, BUT YET THESE 2 ACCOUNTS ARE NOT REMOVED 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 2020-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo Bank on XXXX XXXX in XXXX NM. Issue : I opened up 2 Trust accounts within 1 weeks time. At the opening, i made it DISGUSTINGLY CLEAR that the Trust mailing address is a PO BOX . The Kid at the Bank had to be told at least 6 times during our conversation/account openings, that NO MAIL IS TO GO TO THE HOUSE ADDRESS GIVEN. I told this kid, i am under contract with the USPS, no mail goes to that house address, only to the Post Office Box. The Banker kid claimed to comprehend and he told me he made a record of it so no mail goes to the house. To make the story short, the Bank has been sending Mail and Checks to the house address, that was forwarded back to the USPS and back to the Bank. When i received 1 letter from the Bank, which was returned and then shipped to the proper PO, i called the Bank to fix their error. The Bank on XXXX XXXX refuses to get a Manager when i demanded 1, this has happened 3 times on 3 separate occasions via Phone. Everytime i demand a Manager to address this issue, they forward the call outside of the bank. I found out through Wells Fargo Corporate that my Checks were sent to the wrong address as well as Account documentations. I filed a complaint with Corporate. I told them to call me after XXXX. Corporate called me around XXXX, several times. I called them back 2 times, only to be told the " Case was dropped ''. So, i paid for Checks and to date, never got them and have not gotten ANY type of letter or documentation from the Bank about whats been going on. I also had to make a Stop Payment, so my debit card was placed on freeze and i was told they would contact me once the issue is resolved. Its been 2 weeks and i have not heard a word and i still have this Bank Card that is not usable. Keeping this short, i addressed this Address issue 4 times and Today ( XXXX ) i get an email from Wells Fargo saying they changed the Address of both Trust Accounts ... ..the address they listed was the WRONG ADDRESS AGAIN!!! This is the 5th Time now they have messed this up. I have experienced nothing but complete and utter incompetence from Wells Fargo and its employees. They listed the House Address for both Trusts. Needless to say, i am closing my accounts ASAP.

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 2020-02-25 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan inXX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXXXX/XX/2019 XXXX  XXXX, FL XXXX  ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have 3 hard inquiries on my credit report that I do not recognize. I have not applied for any kind of credit since I received my truck loan in XX/XX/2019.

The 3 companies are : XXXX/XXXX  XXXX, OR XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019 XXXX  XXXX, FL XXXX ( XXXX  ) XXXX-XXXX   XX/XX/2019 XXXX  XXXX, TX XXXX  ( XXXX  ) XXXX-XXXX  XX/XX/2019

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