vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
This complaint against XXXX XXXX XXXX XXXX XXXX for deceitful and unethical practices on collection action. In XXXX entered into a stipulated agreement for the amount of XXXX for $ XXXX. During COVID, my income became severely challenged as a result of increased expenses, depleted resources and caring for myself and family. The agreement was to make payments via check and/or money order monthly which became extremely difficult. In addition to caring for myself and family, where the entire household became ill I tried effortlessly to make payments to maintain my agreement. Nevertheless, in XXXX I received a phone call from said collector indicating that A default judgment eas entered for lack or failure thereof to make payments in a timely manner. At the time, I was dealing with medical issues for myself without compensation, which I advised the representative for XXXX XXXX XXXXXXXX I received no updates from the courts with regards to the judgement to dispute at the time due to the courts being closed to the public, severe backlog and trying to care for myself, an elderly parent and a child. Nevertheless, I spoke to a representative who states that documents would be sent, needed to be signed and to continue making said agreement amounts of {$50.00}. I continued to oblige to continue to make payments, where I can injured again resulting in an extended medical leave without compensation. I tried to toggle food, water and shelter and paying my bills until XX/XX/XXXX until I just couldn't manage paying any payments. I tried at the time to advise the reps at the agency, but their extremely rude, disrespectful and conduct their law firm with unethical business practices. I tried to reach out to Toyota as well whom the XXXX XXXX XXXX is hired by and have yet to receive a response. Ive been had little no income since XX/XX/XXXX to XXXX of this year after returning to the workforce. There has been absolutely no correspondence received from XXXX XXXX  XXXX since the phone conversation in XX/XX/XXXX when there was an issue with payment and them being advised that I was on medical leave until XXXX of XXXX, receiving paperwork from XXXX XXXX XXXX XXXX for income XXXX and garnishment in the amount of {$11000.00}, which is way more than the agreed amount, no deductions of the payments made in the mount of XXXX XXXX I contact the attorneys office requesting a copy of the stipulation all payments made and have yet to receive. I have also filed a complaint with NYS attorney general office for Unlawful and unethical business collection practices from this law firm hired by Toyota Motor Credit. I need for initial agreement amount to be reinstated, this judgement to be dismissed, the levy to be removed, a DEDICATED REP from TOYOTA to handle to my account to resolve this issue amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
My former Landlord took pictures and emailed me the letter from First Source Advantage LLC. I. I longer live at XXXX XXXX XXXX I am recently married and moved to XXXX, Mi. I dont even remember XXXX XXXX I had someone else paying my bills I have a payee over XXXX check I am not able to work due to XXXXLike I said I do not live in XXXX  anymore and not at XXXXXXXX XXXX anymore mail is supposed to forwarded to XXXX.I have complained about First Source Advantage before and I former landlord has filed a complaint and told them to stop sending mail to her residence.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. Portfolio recovery XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: FL

Complaint narrative:
hard inquires that I do not recognize on my XXXX and Equifax credit reports. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
With the help of my sister I managed to get a Capital One Quick Silver credit card to be used on my travel to XXXX XXXX XXXXXXXX XXXX to attend to business matters that had been pending since Covid in 2020. On arrival in XXXX I tried to get some foreign currency at an ATM and was denied. I later learned from my sister who is more familiar with banking policies that I probably should not have tried to get any foreign currency. After I took a taxi to my hotel in XXXX I could not use my card even for a regular transaction nor could I use it anywhere else. Repeated calls to Capital resulted in denial since they required proof of who I was that required me to photograph not only my Drivers license and my U. S. Passport, but my actual social security card which I, and for that matter, anyone else I know would ever consider taking on a trip unless informed and even then I would have reservations since it is so integral to security of my identity as a U. S. citizen. It has meant that my sister has had to put money in my bank account since my own finances have been pretty meager due to Covid. I explained all this to various employees and supervisor who all stonewalled when I explained the impossibility of producing my social security card but having no reservations for submitting other types of documents to their scrutiny. They claimed that that was their policy and there were no exceptions under any circumstances even when I explained and my sister confirmed from NY that not to do so would mean I could not use their card and would require a lot of effort on the part of my sister to help me out under the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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 — Card was charged for something you did not purchase with the card
Company: Albert Corporation
State: OR

Complaint narrative:
i borrowed {$35.00} from albert app. transferred to my XXXX  debit card. the next month when i had to pay it back, they charged me {$95.00}. i called XXXX  to dispute and got it back. i canceled my albert subscription immediately and deleted the app. however yesterday they were somehow able to charge me {$17.00}. then {$25.00} again today. im not even using the app, borrowing money, i dont even have an account anymore. my boyfriend, i sent him a link to this app when i first got it. he never made an account and it charged him {$15.00} too. XXXX?! fix this

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Ingo Money, Inc.
State: MD

Complaint narrative:
THEY WILL NOT LET ME CASH ANY OF MY CHECKS SOMEONE HACKED MY OLD BANK ACCOUNT AND TRIED TO CASH SOMETHING FAKE AND NOW ITS MY FAULT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit
State: CA

Complaint narrative:
In XX/XX/ 2016, I stopped receiving statements for my auto loan. I followed up with Premier Auto Credit and continued payments. Amounts and information was incorrect, followed up and updated info. Then I moved, by the time my invoices and account was corrected I was behind in payments more than I could afford to pay at the time. Expressed my hardship and they weren't able to make an arrangement that worked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-03 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-03 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: Self Financial Inc.
State: NV

Complaint narrative:
I am writing to express my concerns and seek assistance in resolving an issue I am currently facing with a credit building entity known as Self Financial.

Regrettably, I have noticed a discrepancy in the credit reporting from Self Financial, where they have incorrectly reported my balance to the credit bureaus. This occurrence appears to be a violation of my consumer rights, which I believe merits serious attention. 

In an attempt to rectify the situation, I initiated communication with Self Financial, providing them with an opportunity to amend the error. Unfortunately, despite my earnest attempts, there has been no subsequent action taken to rectify this mistake. It is disconcerting to note that my legitimate concerns seem to have been overlooked, a situation that raises questions about the customer experience for other consumers utilizing their platform. 

In light of the gravity of this matter, I am keen to discuss this further with an appropriate representative who could help address and resolve this pressing issue. Please consider this a matter of urgency. 

I appreciate your prompt attention to this matter and look forward to your response at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, 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: GA

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

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-03 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: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
Employer is not ; XXXX Address is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, AZ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Apex Processing
State: OH

Complaint narrative:
I signed up with this company to assist with consolidating my numerous student loans and to assist with The PSLF program. I feel like I was misled after speaking with both of my loan servicers today. I was told by a representative from APEX, that I would have a smaller monthly payment around {$400.00}, and most of my loan would be forgiven. I paid them {$1200.00} in 6 monthly installments, with the last one paid in XX/XX/2023. I had not heard anything from them since XXXX so I sent an email in XXXX to get an update. I was told that a message was given to the rep that was handling my account. I called back in XXXX and requested more information regarding the status and if I could get a letter regarding how much my payment was going to be. I was told my payments were going to be around $ XXXX at this time. I was told someone would be in touch. I did get a request for paystubs so I did send them and received an email they were received. 
I got another email from one of my student loan servers that an income driven application was received, but no income was received so it was denied. I also found out from the department of education that my loans were already supposed to be consolidated so they could be submitted for the income driven application. 
I have been warned I may have been a victim of a scam that was going on last fall with the PSLF applications. The only resolve that I would like is to have this company to stop all actions on my account and refund my money. I will communicate with the department of education and the loan servicer moving forward about this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation