vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: KS

Complaint narrative:
I bought the new car XXXX XXXX XXXX at Toyota Motor Credit Corpcompany, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ 3k.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: FL

Complaint narrative:
I'm so done right now with this craziness hers is my police report that prove that someone stole my identity and this situation needs to be resolved I'm about to hire in attorneys, if these Fraudulent account is not removed from my credit ASAP I'm trying to be patient but I will sue these companies for allowing these fraud accounts on my credit theses Account need to be removed from my Credit

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent Equifax 11 letters and NOT received one response regarding Unknown XXXX XXXX XXXX XXXX XXXX XXXX 

Nor has Equifax deleted said item due to their inability to verify or validate said collector. 

This is very annoying as this is my only negative thing on my credit report and it is reported incomplete, and inaccurately. 

XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX   Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax Submit XX/XX/XXXX XXXX XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I closed an account in XX/XX/2018 with my previous bank. I hadn't used this bank in several years and generated inactive fees. There was also an attempted unauthorized charge that put the account in negative. Once being made aware of the account status I immediately went to the bank. I brought the account to good standing and then closed the account. A couple weeks later I received a credit alert stating I had a charge off from said bank. The charge off was done after I closed the account. I have tried to dispute this several times through Experian and the states remains the same ( Paid, Charge Off ). I have uploaded a document I received from the bank stating they inaccurately charged the account off and Experian states based off the info they have received from the bank they status should remain the same.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One reported me late for an annual fee and I haven't used this card in years. How can they do this during a global pandemic? Please remove this late payment. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-08-22 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: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citi bank ran my credit without permission or notice and is now closing my Best Buy Elite card. I have never made a late payment on the account and was not given notice nor did I give permission to run my credit again

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 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
i use coinbase since XXXX, there no problem at all, until i try login again at XXXX XX/XX/XXXX i got message, " sorry account temporary disabled, contact support ''. 
then i try to contact support via phone but not help, then i submit a ticket via email and XXXX   also to seek for help but not respon at all until now, my case XXXX when i try to login use my XXXX  use coinbase app, they locked my account i dont know how? 
i try contact support via XXXX  and email but no respond at all until now after this problem resolve with coinbase, i will put my crypto currency in XXXX XXXX  coinbase inXXXX is big company they should priority to customer, without customer there is no coinbase at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
XXXX is reporting me as 30 days late in XX/XX/2020 which is not correct. I thought I was given a deferment due to COVID-19 and that I couldn't be marked as late. Please help me fix this and get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
The debt collector, Credit Bureau Systems, contacted both me and my wife regarding Medical Bills. I informed them that I do not discuss anything on the phone, I told them I am only be contacted via US Mail and I requested proof they're authorized to collect and an Itemized Bill from the Hospital showing that we sill owe these bills. I stressed that I want this " From the Hospital, Not a photocopy from them. '' After that time, we received 2 more calls and then I received a Printout from them, not the hospital. This Printout included the Medical Procedures that were performed and this was not from the Hospital. 

When I informed them that they are not authorized to have my personal information that I did not sign any release for them to have this information, which they responded that it's part of the Rights and Responsibilities I signed with the hospital. I also informed them that the two accounts they have were already paid from my XXXX. They stated that we needed to contact the hospital and get them proof of payment. 

Two weeks later they added a Collections Account to both our Credit Reports. 

I sent them a Certified Letter stating that the Hospital has confirmed I do not have any balance with them and that they've violated my Privacy rights. I was told they will not remove the items from the 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 2020-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
This is my second complaint about the same matter. The first one appears to be automatically closed just by virtue of a response ( any response ) from the company. Here is the relevant detail from the first complaint. In XX/XX/XXXX, I received a letter stating I was ineligible for TEPSLF because " the amount paid 12 months prior to applying for TEPSLF and the last payment made before applying for TEPSLF was not at least as much as would have been paid under an income-driven repayment plan. '' I was then advised to go on the income-contingent repayment plan and as long as I paid for an additional 13 months on-time, I would be eligible for TEPSLF. The correspondence I received in XXXX DID NOT INDICATE that I had not made the 120 payments. At no point until XXXX of XXXX was I told I was ineligible because of not meeting the XXXX. It was only during that subsequent application for XXXX did this company notify me of this - stating I had 87 payments, which contradicted all prior information provided by customer service representatives and their own written documentation. Based on incomplete information and faulty advice from every customer service rep at Fed Loan Servicing, I dutifully paid nearly double my normal amount for 13 months in order to reach the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 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: TX

Complaint narrative:
Dear CFPB, Beginning XXXX, I have mailed multiple disputes to XXXX, XXXX   and Equifax for the following accounts. On XXXX XXXX, I mailed additional disputes to all of the above credit bureaus with the Police Identity Theft Report ( attached ) and Notarized Identity Theft Affidavit ( attached ) for the following accounts by USPS with Tracking Numbers. 

XXXX XXXX {$13000.00}, XXXX {$460.00}, XXXX XXXX {$200.00}, XXXX   {$84.00}. 

XXXX  and XXXX  removed all of the above fraudulent accounts except XXXX XXXX and Equifax did not remove any of the fraudulent accounts, Because they have not removed these fraudulent accounts, it is severely damaging my credit scores and is preventing me from purchasing my first home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2020 we applied for the covid 19 relief plan ( mortgage foreberance ). We were told that it was 3 months, would not affect your credit and the the 3 months would be placed at the end of the loan at the end of the foreberance program. On XX/XX/2020 I completed the paperwork to terminate the foreberance program and selected that the overdue amount be placed at the end of the loan. On XX/XX/2020, I called wells fargo to ensure that my request had been process to resume payments. The customer rep. Told me that I had skipped one step, but that she would complete the process for me while we were on the phone. Everything was done and was told that it would take about two weeks and that i could resume giving my XX/XX/2020 payment. On XX/XX/2020, I contacted WF again and asked them why was my acct still showing that our loan was in foreberance two months after we had requested that it be updated. XXXX, the first rep told me that i had skipped a step and transferred me to XXXX from the mitigation dept. Who then confirmed that I had completed all of the paperwork and did not understand why my acct was still in foreberance. XXXX said that my XXXX and XX/XX/2020 payments had been applied to XXXX and XX/XX/2020 instead of XXXX and XX/XX/2020 payments. He also said there was nothing he could but assist me with filing a complaint with the proper Wells fargo complaint department. XXXX allegedly filed the complaint and said that I should hear from this department by Thursday, XX/XX/2020. I am filing this complaint now bcz I have been denied a loan bcz after two months my account continues to remain in 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 2020-08-22 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: VA

Complaint narrative:
I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.

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 2020-08-22 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: KS

Complaint narrative:
I bought the new car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ XXXX.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.

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 2020-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My XX/XX/XXXX statement balance on my Chase Amazon Prime visa card statement balance was {$6400.00}. On XX/XX/XXXX of XXXX, I had a credit in the amount of {$210.00} from XXXX XXXX and on XX/XX/XXXX of XXXX, I had a credit in the amount of {$7.00} from Home Depot. Based on these transaction the outstanding balance on my XXXX XXXX statement was $ XXXX $ XXXX {$7.00} = {$6200.00}. My payment that was due on XX/XX/XXXX of XXXX was in the amount of {$6400.00}, an excess payment of {$210.00}. Despite this, Chase charged me an interest fee in the amount of {$56.00} with the reason that I was short of my payment in the amount of {$10.00}. I spoke to 3 representatives, two of who were not able access my transactions. The 3rd saw the issue and said she couldn't give my the money back, despite acknowledging that I had made an over payment in reality. On asking to be connected to a supervisor, I was connect to a supervisor from Missouri, his name was XXXX. He was extremely arrogant and didn't try to understand the issue and refused to make any accomodation. When I asked him where I could further escalate this issue, he told me he is the end and there is nobody else who could do anything about this. He has all the power. 

I find this extremely wrong and perhaps even illegal that they could make these late charges and interest charges without considerations to the credits that were made on the account. I would appreciate your looking into this and helping me out with this situaiton. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: VA

Complaint narrative:
I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.

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