vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019, I purchased a vehicle from XXXX XXXX in XXXX, AZ. I put {$10000.00} down and financed the rest with Toyota Financial Services. I was told they use XXXX, so I immediately lifted a Credit Freeze on my XXXX  account. On XX/XX/2019, I received a call from Toyota Financial about a Fraud Alert on my XXXX  credit report. I was asked to answer a couple of questions which I did. I assumed everything was resolved. On XX/XX/XXXX, I received a letter from Toyota Financial saying they were denying my credit because " Unsatisfactory resolution of investigation in response to receipt of fraud alert. '' No mention of the XX/XX/XXXX communication was noted nor was the credit bureau which was the source of the fraud alert. I am working with the dealership to try to resolve this but wanted to report this to you because the situation is egregious. I did what is required of me by law to respond to a Credit Fraud Alert by  answering the identification questions on XX/XX/XXXX. One month later to deny my loan is a violation of my rights. Thank you for consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
After several disputes with XXXX XXXX and bureaus, finally it was clear there was a late paytment that became a charge off. I paid this late paytment as soon I found out and tried to clarify if there was mine. XXXX provided the requested information, and there was a late paytment that I found out too late, but it was paid in full. 

For some reason, XXXX  and Equifax are showing a 'remark ' or 'comment ' where you can read settle less that full balance or paid for less than full balance. 

In previous disputes with XXXX  and Equifax it is clear it was paid in full, and XXXX XXXX confirmed time ago by phone, they sent this comment by error, and they sent againg the information assuring it was paid in full after charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: WI

Complaint narrative:
XXXX  did finally contact me, but if of course they were not accepting responsibility They stated that the credit bureau is the culprit. I m sure if this is correct or not I am sick of the entire ordeal. I received a copy of my credit report and the same reporting!

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 2019-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 my brother XXXX XXXX asked me to transfer XXXX to his cash app. He said he couldnt get the money from XXXX. He sent me XXXX through XXXX then I transferred it to my bank then used my cash app debit to attempt to send it to his cash app. The transaction failed and the app said I would get the money back on Wednesday ( XXXX XXXX ) however the money came back to my account at which time he requested the money back through XXXX so I sent him back to him. I'm afraid that some type of fraud may have happend.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
A mortgage in the name of my husband with XXXX XXXX   and a mortgage in my name with XXXX were recently transferred to LoanCare LLC. 

I am writing to request strongly that they be investigated, and severely penalized, for their processes - they have customer financial information but their systems have no capability to handle it. I am extremely concerned that our information can very easily be acquired for fraudulent purposes. 

When they imported my husband 's mortgage information, they did it incorrectly. Our unit number is missing from our address on their records to this day. I literally spent on the phone with them initially to try to get it corrected. No one there knows who does what and they bounced me around from one person to another. They finally told me to send an email to their customer service address, which my husband did on XX/XX/2019, while signed into his account. We saw an acknowledgement on the screen saying the email had been received. However, no copy was sent to the registered email address on the account. 3 months later, that address has still not been corrected. 

My mortgage was transferred to them effective XX/XX/XXXX. It is now nearly XXXX and I still am unable to create an account online on their site. They have sent me multiple emails to reset the password, but none of them worked. I asked their customer service representative on the phone for help - it still didn't work. 

Please, please, this company needs to be shut down. They have no legitimate qualification to be in financial services. They are a bad nightmare to deal with, obviously staffed and managed by blithering XXXX  and a huge risk to the people whose financial information they now hold.

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 2019-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My debit card was stolen by someone I knew who did not live with me on XX/XX/XXXX. I did not know, but this person was stole my card out of my car twice and used it at an ATM and multiple stores. I called Capital One as soon as I noticed it on XX/XX/XXXX, within minutes of the last transaction. Over almost a month, about {$3000.00} was stolen from my account. When I called capital one, I had no idea what was going on and told them I was not sure what had happened. I later found out who had stolen the card and reported it to the police. This person is a known con artist, has elicited money from many people for fraudulent charities, and has active warrants for stealing money and other things from other people who he comes in contact with. Capital one never asked me for any more information, they just denied my claim. I called to ask them how to re-open it, and at least 3 different employees told me they could not talk about it, and there was no way I could re-open the claim. My capital one debit card and credit card information were stolen ( not the cards because I still had them ) on XX/XX/XXXX and charged multiple times. I woke up in the morning to an alert from capital one asking if I had made one of the purchases, and I said it did not. These charges were {$400.00}. There were more on the credit card, but those were removed very quickly. Capital one let all of the transactions go through and would not allow me to dispute the ones on my debit card account until they cleared. They also refused to give me any information about the transactions and told me I would have to call the police for that information. They did not credit my account with the " provisional '' credits for several days. Meanwhile, my automatic withdrawal from the mortgage company had been denied, but I never got an alert or anything about this from capital one. I called them to tell them I had been charged an NSF fee, and capital one said they would not cover it because only the debit card had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: MA

Complaint narrative:
This complaint refers to my recent security freeze with Equifax. ( It should be noted that I was able to create a freeze online at XXXX  and XXXX  both with NO difficulty and I have ready online access to modify my requests with each service. ) Although I was able to initiate my freeze request online with Equifax ( https : //www.equifax.com/personal/credit-report-services/credit-freeze/ ), it could not be completed until a verification code was sent to me via regular US Mail . 

Once the code was entered on the Equifax site, I was prompted to create an account for myEquifax. The account was successfully created ; however, each attempt to log in fails. 
( https : //my.equifax.com/membercenter/ # /login ) Each failure is met with the webpage at : ( https : //my.equifax.com/membercenter/ # /login/error/mc-customer-care ) There it is requested that : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX I placed a call simply to learn why it is NOT possible for me to log in despite using proper credentials. While waiting on HOLD for nearly an hour and a half, I searched online to discover that Equifax has a long history of customers having problems with accessing their account information. It is apparent that I am just one of many who find Equifax a nightmare to connect with. 

Equifax should be as easy to deal with as the other credit reporting companies - or it should be prevented from continuing to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited
State: GA

Complaint narrative:
Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems I raised a cfpb case before and the response came out as due to BSA regulation but I wanted to know the specifics of the regulation that stipulates holdings electronic personal records just for signing up for a digital service. I want a copy of regulation pdf pointed to specific page and section.. My prior complaint was closed for some in appropriate reasons and therefore Im opening new one Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/27 I filed a claim with td bank for unauthorized charges FOR XXXX. And it was deny Over 5k in charges! back to back to back big amount. How can td allowed that! I never heard of this recipients in my life. 
More then 1 device was logged on to my online banking. 

My phone number was change My email was change Different ip address where signed in to my account. I couldnt even log in to my OWN ONLINE BANKING, because they send the security code to the hackers number! 

Td close my checking and told me to open another one, and still deny my claims? 

Police report XXXX claims, I really need my hard working money back, this is unexplainable, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Message sent Experian : On Thursday XX/XX/XXXX, I tried to get a copy of my free credit report due to financial dispute I am have with a business. After going through the log-in process, your computer would kick me out of the system. I called several times and was unable to contact anyone to resolve this problem. Instead all I got was menu options which none of them providing a option to talk to a representative. I tried again today XX/XX/XXXX and it would say my username and password were incorrect. So I requested my username, and it said it was forwarded to an e-mail address which I do not own. I hope your computer system has not been compromised and my financial information has been given to an authorized individual. I also trying calling both Thursday and today. Unable to talk to representative. For being an organization which monitoring people 's credit information, you do a lousy job. I really wonder if a real person works there. I need to get this problem fix, call me a ( 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 2019-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My deposit for my social security of {$1400.00} check went in a Navy Federal Credit Union account electronically and they wont return back to Social Security. I dont have an account with them. I have contact the over 3 times to do so. I have no income since the XX/XX/XXXX to live on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCB/XXXX  is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a secondary complaint to Complaint # XXXX, since nobody at the CFPB or TransUnion actually read the detail of that first complaint. Maybe if I dumb this down a bit it will be easier to comprehend, understand, and resolve. 

I have requested method of verification from TransUnion three times and have not received it yet. I just keep getting generic responses that my disputes were validated. Who holds credit bureaus accountable? This is a clear, straight-forward violation of the FCRA and nobody is doing anything about it. 

Credit bureaus are required by law, in accordance with Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ), to provide consumers with the method of verification and description of the procedures used to determine the accuracy and completeness of their investigation into disputed information, WITHIN 15 DAYS of request by a consumer. I requested this three times now, the first time being two months ago, to no avail. 

TransUnion : If you can not provide me with method of verification and description of the procedures used to determine the accuracy and completeness of my disputed information WITHIN 15 DAYS OF MY ORIGINAL REQUEST, you MUST delete the disputed information. 

I am making this request publicly viewable, as I hope others out there can learn from my experience and know your rights under the FCRA. We need to work together to hold credit reporting agencies accountable!

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 2019-12-08 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:
XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting inaccurate information.

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 2019-12-08 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: FL

Complaint narrative:
XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and Experian says the account is verified. how can an account be verified but still reporting inaccurate information.

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 2019-12-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation

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 2019-12-08 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:
XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation

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 2019-12-08 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:
XXXX XXXX XXXX  XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation

Company response to consumer: Closed with explanation