vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-18 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
This letter was sent ( by mail ) : XX/XX/XXXX They have not got in contact with me since and I still have this on my credit TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Unauthorized inquiry to my consumer report ; demand {$1000.00} settlement To TOYOTA MOTOR CREDIT You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. for unlawfully obtaining my XXXX XXXXonsumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A shall not use or obtain a consumer report any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified by section 1681e of this title by a prospective in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 XXXX XXXX  XXXX. XXXX ). 

I have not initiated any transaction with TOYOTA MOTOR CREDIT. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TOYOTA MOTOR CREDIT for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

As a result of you unlawfully obtaining my consumer report without a permissible purpose, you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. 1681n ( a ). 

For the sake of the judicial economy. I am willing to settle this matter without any admitted liability. I offer a full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand. 

Please be advised that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
1. XX/XX/2021, received notice from XXXX XXXX, SD XXXX name of sender was not included ) telling me that my APR on a closed account ( closed in XXXX ) may increase and require me to pay more monthly. 

2. XX/XX/2021, called number listed on notice and spoke to XXXX from Citibank. Asked why is APR increasing on a closed account which I pay on time every month? Answer : The federal gov't controls the prime ; Don't see anything about an APR increase ; No you can not dispute the change ; and Contact consumerfinance.gov for more info. 

3. My complaint : Who protects my rights in this matter? Where is my Notice to Dispute? Can the company legally increase my APR on an account that is closed but being timely paid monthly? 

Thankyou.

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 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I have been hit with 2 " priority service fees ''. My Payment Due Date is the XXXX of the month and I sent my last payment ( due XX/XX/XXXX ) on XX/XX/XXXX, electronically, and was hit with the most recent of the 2 fees. The first fee was against a payment sent on XX/XX/XXXX ( due XX/XX/XXXX ). I have paid the increased fee amount every month since the fee was assigned and they won't clear it off my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Began a mortgage refinance application around XX/XX/20. The application process was straightforward - but everything fell apart after that. 

It was XXXX before I was anywhere near closing. I was transferred to several contractors inside of the company for information - none of them would request information/documents through a secure channel, they were requesting them through email. I had to continuously call the loan officer to get the items added to the secure system - I'm not sending a W2 and paycheck stubs through email ... 

At this closing, no one from the bank was available, nor was anyone from the settlement company available ( phone or in person ). I was not informed of amount to close before hand - which had increased by {$500.00}. I was not provided closing documentation until I showed up, and even though I was signing at my local bank no one there could answer my questions, including the branch manager. 

Once I attempted to refinance with my current mortgage holder, M & T cancelled the loan instead of attempting any negotiation or trying to help. My credit had been tied up for over 5 months, and they have done nothing to help.

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 2021-05-18 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
My car got totaled I called Ally Bank for my title they will not turn it over cuz they said I still owe them money for the car and I told him no I don't you got sued in XXXX or XXXX for over financing XXXX  with their vehicles and I was one of them and I got paid a check me and my mother she was the cosigner we got a {$13.00} check a piece so I don't owe you no money you got sued for over financing me a XXXX XXXX for over {$36000.00} and I'd already paid you over XXXX and they still said I owe them {$10000.00} for the vehicle so it would not turn my title over to the insurance company so I can get paid for my car that was total they want the money so I'm calling you and see if you can help me because it was consumer financial protection bureau and the department of Justice that sued are made Ally pay back this money so if you can help me and my insurance company is XXXX and it's the claims department if you can help me with this I appreciate it my phone numbers XXXX and my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2020 XXXX Bank collected a mortgage refinance fee of {$390.00}. Roughly 3 months later there had been no activity on this request. I called in and said that I wanted to withdrawal my application as the process is taking to long and we are thinking of buying new instead of refinancing. They agreed and apologized for the inconvenience. The loan officer, XXXX XXXX told me he would have to get the approval to get the fee reimbursed. He called me soon after and said that he got the approval from his manager. After waiting a couple of weeks, I called back to see what the status was on the refund. At that time I was told that I need to apply that reimbursement to the new loan application. I pushed back as that was not what I was told. XXXX apologized and said he would go back to his management to get clarification on this. He went silent at that point. I followed up several times via email to get a status update on this. I had canceled my application with them based on the fact they said they would reimburse the application fee. I then spoke with XXXX XXXX in the Office of the President, who also confirmed that if we told you something we will make it right. I am now being told that they didn't find a recorded phone call with this information. I have the name of the individual ( XXXX XXXX XXXX, who told me via phone that they would reimburse me this fee via check. The complaint office says they do not do reimbursements on application fees. I was lied to, made decisions based on those lies, and now am in the hole {$390.00} and several hours of disputing this with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: TN

Complaint narrative:
I have medical collection accounts that have been turned over to LJ Ross Associates in XX/XX/XXXX. I sent then a certified letter onXX/XX/XXXX to stop all communication with me and that I dispute this debt. 

LJ Ross has since reported the collections to XX/XX/XXXX on XX/XX/XXXX in the amount of {$1300.00}. 

1- they reported seven different amounts instead of one total amount equaling {$1300.00} 2- they Illegally re-aged the collection by continuing to flag my account every week since XX/XX/XXXX. They have flagged my account on XX/XX/XXXX and XXXX XXXX. 

This is effecting my credit score and credit worthiness. 
How do I stop them from continuing to flag my collection account?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX of 2018 the vehicle in question was totaled. The other drivers insurance took the blame because the vehicle was rear ended. The loan was given with GAP, and the other drivers insurance paid XXXX towards the loan with GAP supposed to pay the rest. GAP didn't pay the rest because the loan company ( SANTANDER consumer USA ) reported the wrong amount that was due for some reason. They subtracted two months of payments instead of going on the amount from the date of the accident. So GAP didn't pay the whole amount, and they put it towards us to pay ( which we shouldnt have had to because we paid for the GAP insurance ). They kept the account open for 2 years allowing the payments to accrue interest before charging it off instead of trying to make more money by making us pay instead of letting GAP take care of the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
Comenity Bank/ XXXX XXXX is reporting an erroneous late to my credit file. This late is for XX/XX/21. I never received a call, letter, or notice that i was delinquent because i made this payment on time. I wasn't even aware of the late notation until i had my credit pulled. I have had this account open for a very long time and have not been late in the past 3 years. I am asking that you remove this late from my credit file, i was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today I received an e-mail notification from Citibank stating that they have received my mortgage application under Loan application XXXX. Noted I have not apply for a mortgage loan at Citibank and I am concerned that my e-mail account is being hacked and used for other purposes such as fraud. I will attach a copy of the e-mail sent to me on Monday, XX/XX/21 at XXXX for reference. 

Best, 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 2021-05-18 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
on XX/XX/2021, I sent 4 Certified letters to Midland Credit Management Services regarding some collection accounts they claimed I owed. In my letters to them, I requested several specific items as to why they think owed the debt. I asked for name, address, account number and amount owed. I also asked for original creditor info, amount owed to creditor at the time it was transferred to them. I asked for verification and documentation that there was a valid basis for claiming that i am required to pay the debt to the original creditor ( ex ; some type of written agreement ). I asked for a copy of the last billing statement from original creditor, any interest, fees, or other charges. 
I asked for them to provide proof of a debt collection license in Texas with license number, date of the license, name, address, and telephone number of the state agency issuing the license. I know they have 30 days to respond to my certified letters so i waited 45 days and did not receive any response from them. At that time I asked them to delete this inaccurate info from my credit reports and yet they refused. On XX/XX/2021 I sent out a 2nd round of the same 4 Certified letters ( 1 for each collection account they are claiming I owe them for ) and today makes 44 days and I still have not received anything from the collection agency. I made a complaint recently with CFPB and the only thing Midland Credit Management said was " This information is accurate ''. I didn't them to verify my name and address, I asked for a thorough investigation and to provide me with the specific information i requested but after almost 90 days, and 2 rounds of certified letters, they still have not provided me with the information i requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
Received a debt collection letter from monarch recovery management in amount of XXXX in XX/XX/2020. Someone using my address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I been disputing this account for years because its has over a dozen errors on the account on all three credit bureaus, none of the credit bureaus is consistent with neither of them, and I'm going to take legal action, & collect damages this company have done to me over the years. 

I will be attaching documents.

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 2021-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MA

Complaint narrative:
I canceled a gym membership that I had with XXXX XXXX  in XXXX Massachusetts back in XX/XX/2020. I was told that the account was in fact canceled effective XX/XX/2020 and they will no longer collect money out of my bank account. Surprisingly enough I have been receiving harassing phone calls from a collection stating that I owe XXXX XXXX {$80.00} for the membership that I thought was no longer active. I have tried unsuccessfully in many occasions to contact the gym to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
All three credit bureaus are horrible. Everyone is at their mercy and the fail to meet demands for the industry. 
They continue to not update information. 
They continue to NOT review supporting documentation. 
They websites continue to NOT work and one can not upload any data. 
They are NEVER available on the phone. 
They are ALL only interested in the consumer subscribing to their services. 
They charged 2x for the same service in a single billing cycle and not reimburse. 
There has to be a better way, especially during this pandemic and beyond. 
IT is absolutely ridiculous that we are all at the mercy of credit bureaus that have never ending data breaches and continue to hold outdated and false data. 
I believe the banks and creditors must be giving them a kick back. 

HORRIBLE HORRIBLE HORRIBLE.

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 2021-05-18 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: BANK OF THE WEST
State: MO

Complaint narrative:
For over two years, I have been a victim of identity theft. The identity thieves have opened numerous charge accounts in stores, applied for several credit cards, using my personal information as their own. I have know idea how they obtained my information. 
On XX/XX/XXXX, someone opened a bank account at Bank of the West with overdraft protection. Shortly afterwards they overdrew the account for {$5300.00}. Bank of the West turned the matter over to a collection agency who contacted me in XXXX, XXXX. Because I disputed the debt, they suspended collection efforts and asked Bank of West to look into the matter. This debt of {$5300.00} is still on my credit reports and has hampered by ability to take advantage of lower interest rates to finance my house. They have slandered my credit and do don't respond. I have complied with all their requests including filling out numerous forms, sending them a copy of my drivers license and obtaining a police report. I have copies of all correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.

Company response to consumer: Closed with explanation