vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Old information reappears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: MA

Complaint narrative:
Toyota Motor Credit Corporation charged me a 20.75 % interest rate after being a returning customer with the first loan being paid off and it's absoultely atrocios. In XXXX I purchased a 2011 XXXX XXXX with XXXX miles from XXXX XXXX in XXXX Ma. As I stated this was my second loan with this company with the first one was paid off in early XXXX due to an accident. However still when I went through Toyota Motor Credit I was charged this ridiculous interest rate allowing this company to get almost {$20000.00} in interest alone.I told the loan officer that this was too expensive for me and she assured me after making 8 on time payments I would be able to refinance at a lower rate which wasn't at all true. All I'm trying to figure out is how this is fair to me as a human being let alone a retuning customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Dedicated Financial Partnerships
State: MI

Complaint narrative:
Debt was fraudulently obtained in 2008. No outstanding debt obligations. Repeated harassing phone calls. No attempts to resolve the issue, just calls dozens in the last week. All hours of the day. Threating messages

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I disputed this debt and they sent me a medical bill in return, this is not verification of the debt and they are also disclosing personal health information without my consent. They are breaking the privacy law by releasing health information about my health. The privacy law is being broken by the medical care provider and the collection agency. Validate the debt or delete the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I paid off my Bank of America car loan in full and as a result they sent me the title. I have proof because they sent me the title. The the loan was not a charge off, the loan was a completed transaction and I want the item deleted from my credit report or corrected to reflect that the account was paid in full and not a charge off, Bank of America is wrong and acting in a fraudulent manner as usual.

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019, me and my husband placed a credit report freeze online, on my credit files with XXXX & XXXX XXXX. No problem. Equifax did not do it, and asked me to call XXXX. On XX/XX/XXXX, we tried again online. Again their website told me to call. We called and spoke to their call center, sounded like an XXXX girl. She refused and said I had to send in a copy of my social security card and drivers license, to verify my identity. I explained that I was not comfortable with that, and the other credit agencies had no problem. That there was enough information in my credit report to substantiate, who I was. She insisted, and refused. We finally asked for a Supervisor. Took about 7 minutes to get a, Supervisor, an XXXX  girl this time. Refuse, refuse, we did not get anywhere. We even went as far as to give her information on my credit reports from XXXX  & XXXX XXXX, and get this she said she could not see my report. By the way, we also could not get their FREE credit report, without sending documents. So how could she know, I was not who I said I was? Didnt make sense. I asked to file a complaint, and now the system was down, and then she was told, in order to file a complaint, I had to send them the documents they requested. They had us going around in circles. I understand keeping records private, but I was not asking for records, or information. I was asking for a freeze on my credit, because Ive personally seen what identity theft has done to others. Equifax was breached, and they did not tell people, they tried to hide it, and now, they WONT help  you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I transferred {$1000.00} to a company on the east coast using US banks wire service. They then transferred {$10000.00} out of my account. I have been able to recover {$4500.00} but the bank will not refund the difference even after admitting there mistake. The case number for US bank is : 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 monetary relief
Consumer complaint received 2019-07-24 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: MO

Complaint narrative:
On XX/XX/2019 I received an alert from Equifax that credit card from XXXX was inquired an or opened under my name and SS number. I did not try to open one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
over 4 years ago I had a dispute with td bank about charges that should not been allowed to hit my account. the issue could not be resolved the overdraft remained and was reported to check systems. I have been trying recently to resolve the balance but have encountered the following problems. 1. To reach someone in the collections and recovery department the wait is sometimes upwards of 2 hours. that is every time you call even if you speak to someone need to get information and call back you could be on hold that long. ( no one has that time -- especially not during business hours ) 2. I finally spoke to a gentle man who told me the balance was no longer 250 ( approx. ) but 600+. I asked why and was told because of fees associated with collections. I work in XXXX XXXX XXXX  and you don't pay unless they collect something. No one did so what are the over 400 in  fees???? 3. I was told to go into a branch an get a print out which I did to see a detail and explanation of the charges -- the 400+ is not there and the statement has no detail but raised another?. the last transaction is from XXXX for approx. 250. but the statement says it was presented twice and then returned -- so what is the balance? when I was told it was that charge. I was also told by the rep in the location that what they are requesting is not available through the branch office I need answers that I have not been able to obtain

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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 was trying to get a phone for XXXX and they were running my credit and then they were like my Social Security number was not matching my name on my Social Security number was popping up a different name or something like that so Im calling to file a complaint on how to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: NJ

Complaint narrative:
I paid off my XXXX XXXX XXXX car loan in full and as a result they sent me the title. I have proof because they sent me the title. The the loan was not a charge off, the loan was a completed transaction and I want the item deleted from my credit report or corrected to reflect that the account was paid in full and not a charge off, XXXX XXXX XXXX is wrong and acting in a fraudulent manner as usual.

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 2019-07-24 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: KS

Complaint narrative:
I RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: WA

Complaint narrative:
On ( or about, I was out of town for a couple of days ) I received an unsolicited prepaid card from a company called Netspend. I thought it was illegal to send unsolicited credit and debit cards through the mail. I called the number below and cancelled my account and told them not to share my information. I asked where they got my info from and they said they'd call me back with that. Haven't heard from them yet. 

The company 's info is : Netspend XXXX. XXXX XXXXXXXX XXXX, TX XXXX The direct deposit info on the letter is Routing number XXXX Financial institution name XXXX The number to cancel and prevent further contact and info sharing is XXXX. 

Here are their XXXX XXXX XXXX details : Headquarters XXXX XXXX XXXX, XXXX, TX XXXX XXXX  File Opened : XX/XX/XXXX Years in Business : 20 Business Started : XX/XX/XXXX Business Started Locally : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in TX Type of Entity : Corporation Alternate Business Name XXXX XXXX XXXX   XXXXt Ms. XXXX XXXX, Vice President Customer Experience Mr. XXXX XXXX, Senior Vice President of Operations Additional Contact Information Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 2019-07-24 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: Santander Consumer USA Holdings Inc.
State: MT

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT and regularly monitor my credit reports. I recently viewed my credit report and viewed a hard hit inquiry from " Chrysler Capital '' that I don't recall authorizing. I have tried several times ( last time- yesterday ) by calling Chrysler Capital and unfortunately they did not want to resolve this matter informally. I requested for them to provide me the credit application that is dated and with my signature that confirms that the hard hit inquiry was done with my permission & for a permissible purpose. Each time the representative said they would be unable to do that. 

Date of inquiry : XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Old information reappearing

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 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
Sent mail threatening to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
received my monthly statement for XXXX stating my balance on my account was {$65.00} which is due on XX/XX/19. I paid that balance off on XX/XX/19. I received another statement for back finance charges in the amount of {$200.00}, when i thought the account was paid in full. I called Comenity to ask and it turned out a promotion ended on XX/XX/19 which was the reason for the back interest even though my statement stated my due date was the XXXX and I had paid prior, I was still charged. This was confusing on the statement, i explained and I paid off that balance immediately. I now have an additional balance of {$27.00} for a late fee and finance charges on that amount for {$4.00}. I specifically asked the rep on the phone if the finance charge was for the late fee and she stated yes. I then asked to speak to a supervisor and requested to have my account closed. I feel this is in violation of UDAPP due to how the statements read causes confusion and additional charges when the account was thought to be paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Old information reappearing

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Old information reappearing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Convergent Outsourcing has not complied with my request for a debt validation letter. I have called them now going over a month and still no one from Convergent is able to provide any answers. I have sent a certified return receipt letter to them and it shows someone from convergent signed for it. I am requesting that this debt be immediately removed from all credit bureaus that deal directly with 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 explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Old fraudulent item reappearing and already been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
No information about this medical debt. Need to be eliminated

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 2019-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nae-Mo Corp dba Matthews & Michaels
State: WA

Complaint narrative:
My spouse received several phone calls from a debt collector called " Matthews & Michaels ( XXXX XXXX ) '' asking for a person with a similar name to mine. She told them that no one of that name lives here and hung up, and did not answer calls from that number after several initial calls. 

On XX/XX/XXXX, three men in a large pickup truck from an agency called " XXXX XXXX XXXX XXXX '' came to my home asking about a vehicle that I have never owned and asking for a person with a similar name to me. They did not initially identify themselves but just said they were here to talk to me about this vehicle. When I said I was not the person they had named, they began to leave, but I asked them who they were and who had sent them. They had paperwork that showed that they had been sent on behalf Matthews & Michaels, and they allowed me to photograph the paperwork. I have attached this paperwork to this complaint. 

The paperwork shows my address and my wife 's phone number listed with a person with a similar, but different, name. It also lists other addresses that I have never lived at or been associated with, as well as a vehicle I have never owned or driven. 

The paperwork lists the following contact information for the two companies involved : Matthews & Michaels ( XXXX XXXX ) XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone : XXXX Fax : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Check Fraud has been committed and Wells Fargo has verified this, a check was made out to me and i did not endorse it, nor was I even present. Wells Fargo cashed it regardless, despite my reaching out to them proactively. I have been told that they will be refunding the check so the issuer can send it to me. This was months ago. Wells Fargo refuses to divulge any information regarding time frame or where in the process they are. I have been awaiting for my funds for several months now, with no information given to me. Cashing a check without the persons endorsement, without the person even being there is extremely and crossly incompetent. These are institutions we are supposed to trust. 

Again I have filed out the affidavit Wells Fargo request, that check was made payable to me, I did not endorse it and it was cashed regardless. That is grossly unacceptable from a Financial Institution Account number XXXX, check number XXXX for {$3500.00} Payable to XXXX XXXX AND XXXX XXXX XXXX XXXX the VP of commercial banking corresponded and said it takes 30-90 days, that was XX/XX/XXXX. I'd like an update at the very least please.

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 2019-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Can not get Log into account in order to set up payments or any other accounts from Synchrony credit services or any account serviced via Synchrony! I have talked to them was supposed to try it in a week and if not call back, which I did and called back. Was given another excuse and another week to correct?????? this issue. Strange my wife 's accounts seem to work, NONE of mine, you figure it out. Anyway I called them today and asked them to send me paper statement since it is obvious that they can not get all their parts in one basket .... I have also informed them that they are the worst and this was not the FIRST time I've had issues with them. I'M SORRY, is what I get .... had I not called them again and asked for a paper statement from here on and the payment would have been late or not made cause I was NOT ABLE to log in, they would have turned me in the the credit reporting agency as a missed payment ... .. FAIR huh????

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 2019-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
XXXX manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.

Company response to consumer: Closed with explanation