vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the TOYOTA MOTOR CREDIT XXXX within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Failure to response to MOV ( Method of Verification ), I NEVER received a response to my Request under Fair Credit Reporting Act 611 ( a ) ( 7 ), for the NISSANXXXX LT XXXX within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
When I saw my credit report, I notice that there are some inaccuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow-up complaint on my previous complaint # XXXX ; bank of America has failed to address my request properly, they have wasted my time and now claim that I initiated the claim to dispute my wrongly charged fee of XXXX by XXXX outside the window. In another mail, I received today that is dated XXXX XXXX, 2021, Bank of America claims that I have failed to provide further information or documentation in regard to my case and now they want to stick to their initial decision. They are providing inconsistent excuses in every mail they sent me that show they are bad people. Whoever is handling my claim is a bad and unprofessional banker. 

I had opened the claim right on time and they favored XXXX based on wrong evidence that was a forged signature on the XXXX carrier for the delivery of an item. 

I need the bank of America to be responsible for this wrong decision and refund my XXXX as they have provided the guarantee for a fraud-free transaction. 

Thank you for protecting me. 

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 2021-03-28 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: NY

Complaint narrative:
I have notified all three bureaus that I am 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 explanation
Consumer complaint received 2021-03-28 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: NY

Complaint narrative:
I have notified all three bureaus that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received my first direct deposit, from my Texas XXXX XXXX, for Pandemic Unemployment Assistance. I had been receiving the money via XXXX XXXX  XXXX, since XX/XX/XXXX. I had to recertify after the bill was left unsigned on XX/XX/XXXX. So I have a legal right to receive the benefits. 

The VERY NEXT DAY, after receiving my money, on XX/XX/XXXX, Chime placed a hold on my account for suspicious activity, regarding my PUA. I gave them all if the necessary information regarding my new address, since I subsequently moved to California, since I couldn't work in XXXX due to Covid. I provided my XXXX XXXX from Texas XXXX XXXX, My State of CA XXXX, my Social Security Card, and proof of address, with a letter from the management company of the apartments I reside in. They then questioned me as to why was my spending for 2019 in XXXX, to which I explained my school and Apprenticeship. They keep running me in circles, neither accepting the documentation provided, or by closing my account and refunding what was left. I was then told by XXXX, XXXX, and XXXX, to resubmit the information on four different occasions. After talking to representatives and supervisors at the Chime Customer Call Center, and resending my information over and over again, they ubruptly ceased communication with me. I have been told that XXXX has policies in place for suspected fraud, and my account had raised red flags. However, they are now refusing to return my money, or reopen my account, that I have given all necessary proof to show that the funds deposited are legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Someone without my knowledge was able to make two withdrawals, ( 1 ) {$980.00} dollars, on XX/XX/2021, ( 2 ) {$1000.00} dollars, on XX/XX/2021, through, Wells Fargo Bank, located at XXXX XXXX XXXX XXXX, XXXX, Maryland. I, am considering this the initial step filing a Criminal Complaint. 
Ive contacted XX/XX/XXXXXXXX XXXX and Wells Fargo concerning this troubling issue. Its not easy manipulating an ATM UNIT.

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 2021-03-28 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: NJ

Complaint narrative:
I am a victim of identity theft, and there is someone else 's information reporting on 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 2021-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I have attempted to request validation on this debt multiple times beginning since XX/XX/XXXX and every 30-60 days since then. But the collection agency was already attempting to collect the debt which was on my credit report prior to XX/XX/XXXX. In XX/XX/XXXX they responded with a copy of a bill from the original creditor but there was insufficient proof of the debt belonging to me. They provided documents that did not have my correct name, the signature was not my signature and the date was typed in instead of wet signature. My account with the original creditor shows a {$0.00} balance but it also shows they produced a bill XX/XX/XXXX but from what I can see the bill date is XX/XX/XXXX which I do not recall creating. I have never been contacted by this collection agency nor the original creditor about a balance owed anytime from the date of assumed debt creation according to the original creditor. No bill was generated in XXXX that I can see nor seen during anytime since XXXX up until XX/XX/XXXX from the original creditor. I have access to XXXX which is the program provided by the original credit that shares all medical information with the patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: NJ

Complaint narrative:
I am a victim of identity theft, and there is someone else 's information reporting on 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 2021-03-28 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Like many Americans I was severely affected by XXXX. I settled an account and paid as agreed with Synchrony Bank Pay Pal Credit on XXXX XXXX company sent me an acknowledgment of settlement on XXXX XXXX. The company went on to report late payments after the account was settled and paid as agreed until XX/XX/2020. When I contacted them they refused to correct the error and on XXXX XXXX a representative threatened to report the remaining balance as a charge off. Even though they offered the settlement and I accepted, the account was never charged off or sent to collections.

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 2021-03-28 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: NC

Complaint narrative:
Credit inquiries in credit report are fraudulent.

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 2021-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My fiance and I purchased a XXXX XXXX in XX/XX/XXXX. We acquired a loan of roughly {$12000.00} from KIA Motors Finance with the term of 36 months. There is no pre-payment penalty. 

We have made every loan payment on time, and paid off the entire loan in XX/XX/XXXX. The account has been closed in XX/XX/XXXX. However, our lienholder KIA Motors Finance would not release the vehicle title. When we registered our vehicle at the DMV, it still shows KIA Motors Finance as a lienholder. It is almost 6 months after I have paid off my auto loan but our lienholder is reluctant to release the title. 

I have been repeatedly contacting KIA Motors Finance to solve this issue. I made phone calls in XXXX, XXXX and XXXX to their customer service department. I have also wrote multiple emails to their customer service in XXXX. Every time the representative verified my account is fully paid off, I am " all good to go '' and they are " working '' to release my title. However, no one will disclose to me why it is taking so long and when will my title be released. It is almost 6 months and they are still " in progress '' of releasing my title. This is completely unacceptable for a lienholder in the state of California. Lienholder need to release the title within 10 days of the account being paid in full. 

I need to move and I desperately need to sell my vehicle. But I can not because KIA Motors Finance is illegally withholding the title of a property that I have fully paid-off half a year ago. I am suffering huge financial loss of parking/not being able to sell my vehicle while I am away. Till this very day, no one from KIA Motors Financial is willing to let me know what is going on or when can I get my title.

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 2021-03-28 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I paid XXXX on XX/XX/2021 to payoff the full balance and payment post to account. On XX/XX/2021 it was reported 30 days past due on XX/XX/2021 to my credit report. This account is closed and paid in full.

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 2021-03-28 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: NY

Complaint narrative:
Experian was notified on XX/XX/2021 that I am a victim of identify 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 2021-03-28 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: Credit Technology, Inc.
State: CA

Complaint narrative:
I applied to XXXX XXXX to apply for downpayment assistance on a house that I would like to purchase. Their site recommends certain mortgage companies. I chose XXXX XXXX XXXX. After the income was assessed, they did a credit check. XXXX uses uses Credit Technology Inc to provide credit checks for their applicants. 
When I checked the three credit bureaus, my credit score were higher than the minimum required by XXXX XXXX. 
The credit report that XXXX was kind enough to share with me indicates " XXXX - SERIOUS DELINQUENCY, AND DEROGATORY PUBLIC RECORD OR COLLECTION FILED XXXX - TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN XXXX - LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION IS TOO SHORT XXXX - NUMBER OF ACCOUNTS WITH DELINQUENCY FA - NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE, BUT NOT SIGNIFICANTLY. 
I have uploaded the copies of the XXXX report and the reports from all 3 credit bureaus. The collection was a collection agency on behalf of XXXX XXXX XXXX XXXX which was canceled in favor of another company. 
The notice was be telephone and I had an automatic debit payment that was not discontinued. I brought this issue to XXXX XXXX last Fall. The website does not indicate any accounts nor billing. XXXX XXXX phone agent was adamant that they do not report to the credit bureau and in fact the notice was placed by a collection agency. The agency did not seem to know when or how it was placed nor how to annul it because they can not see it on their end. Now that single notice disqualifies me from purchasing the last home in my life time. 
I am writing to you for advice on how to resolve this issue with the credit so that XXXX can be compliant with the downpayment assistance programs to help me purchase the home of my choice. 
XXXX and XXXX did not include the collection report of {$330.00} in their reports but XXXX did. I have a single revolving account, a XXXX XXXX XXXX credit card. If I purchase a home, I will have the mortgage payment that will be reflected in the credit report. Please help me resolve this last step towards qualifying for a downpayment assistance program. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OR

Complaint narrative:
In XX/XX/XXXX I had phone service with XXXX XXXX. I had my bluetooth left open and my data was charged for excessive charges. The account was closed and a debt buyer bought the account named XXXX XXXX XXXX. 
I still have XXXX XXXX as my carrier. Always have. I tried to dispute this debt with XXXX XXXX XXXX but they bought this debt in XX/XX/XXXX and refuse to acknowledge its past 6 years from when account was last charged or recieved any payments. They are wrongfully reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: NY

Complaint narrative:
I notified Equifax that I am a victim of identity theft, and there response is that I am a third party. I am not a third party, I am person, and I XXXX XXXX state that I am a victim of identity theft who is submitting this complaint myself. and give authorization to Equifax to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a formal written complaint to Chase Credit Card company for not updating my address information, failing to send a bill, and causing my credit score to drop almost XXXX points. There is an account reporting on my credit report for Chase and its showing past due. I have not used this account for over ten years and have received no documents from Chase that there is a balance. This is a joint account with my sister and these are her charges as I dont even have a credit card for the account and I canceled this account XX/XX/2020 after I found out it had a balance. I gave Chase my address to send any bills when I canceled the account on XX/XX/2020 since I dont have access to online and I have never received any statements or documents showing the account had a balance. I have always paid all my bills on time and Im not irresponsible with my debts. I have never had credit score issues and the reason I found out the account still had a balance was because my score dropped on XX/XX/2020 XXXX and today its XXXX. This is not my debt and now that Chase has adversely affected my credit I want this debt to be removed from my credit and my name. I have called Chase several times about this issue and the customer service employees say there is nothing they can do not even note the account I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHECKredi of Kentucky, LLC
State: WY

Complaint narrative:
CheckRedi, the company that the complaint is written about has taken to deceptive practices, They fail to notify in writing about any debt, and commence with the harassing phone calls. When told to stop the phone calls, the phone calls actually begin to increase through the day. They claim to send their notices via email, which is not an actual letter. However, I have never received a letter from them, and have even checked my junk folder in my email. Their practices are deceptive, their agents make threats, and they run multiple charges against your bank account and add predatory charges to each charge. a XXXX dollar drink that was charged incorrectly by them resulted in XXXX dollars in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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 — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I no longer have access to my old email or my old phone number with credit karma and I need to reset my password with them and theyre basically advising me that theres no other way to reset the password except with those two options which I find to be ridiculous theyre not giving me the opportunity to send my identification or send any documentation to verify my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
To whom it may concern, Hello my name is XXXX XXXX I previously was in dispute with the bureaus over a hard inquiry from ( XXXX-XXXX  XXXX XXXX XXXX XXXX ) I do not recognize the hard inquiry and wish to have removed as soon as possible please and thank you.

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 2021-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
When I saw my credit report, I notice that there are some inaccuracy on my credit report.

Company response to consumer: Closed with non-monetary relief