vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ME

Complaint narrative:
I was contacted by a Toyota Financial employee today through my workplace. She immediately started discussing my laps of payment of {$450.00} ( less than 30 days ) to the person who picked up the phone used by my office. My supervisor was the one who answered the phone and the caller, as stated, immediately started discussing the delinquent payment without verifying who she was speaking with. She only stopped when my supervisor interrupted her asking who she was trying to speak to. My work eligibility is reliant on my credit and take these types of calls especially seriously which is why at the beginning of the loan we asked that Toyota Financial not contact me at work. The reasoning for the late payment was due to it previously being on auto payments through my bank. As my wife deals with most of our finances I mistakenly thought the auto pay was through Toyota. I called to speak to them about this and see why it was not on auto pay. The representative started the call by stating that there were two payments pending in their system, one via web ( which my wife did ) and one via their " app-based '' payment system ( which neither of us have ). At the time I did not know if my wife had made two payments or not so did not question this at that time. We discussed the auto pay where he informed me it wasn't set up through Toyota. As I attempted to end the call he said we weren't " finished '' as I had not yet paid. This was incorrect as we had previously discussed 2 payments were pending. In discussing the issue I had of the other representative calling and speaking to my supervisor he stated that would not have happened. When I explained that regardless, it had occurred, he blamed me for it occurring saying she wouldn't have called if I had paid on time despite being aware that it was a simple technical error. After discussing the calls with my wife I found out she had only made one payment. The account was checked and found to have 2 payments pending. The only payment authorized by us was via the website at XXXX, XX/XX/21 ( today ). I have cancelled the secondary payment but only knew about it due to me calling Toyota Financial a second time. I know it doesn't necessarily have bearing on FTC related complaints, but it is worth noting both representatives were extremely rude in their conducting of each phone call as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: OH

Complaint narrative:
I Sold my home and closed on XX/XX/30. The buyers financed through Vanderbilt Mortgage and Finance , Inc. Vanderbilt made distributions for the realtors, title company, and paid off my mortgage, which was also with Vanderbilt . Vanderbilt did not pay me the balance due to seller. It has been over a month. I have contacted vanderbilt by fax, phone, and email at least 25 times during the month. Also, through an attorney and through a XXXX XXXX XXXX complaint. They have not responded except to direct me to a different phone or fax number. They have not given an explanation for the delay or an estimated date the check will be mailed. 

A secondary concern of mine which they also have not addressed, is why is Vanderbilt paying by paper check through regular mail. I would rather receive an electronic deposit to my account. I feel that it is reckless to send a paper check for such a large amount through regular mail. I have also presented to Vanderbilt my concern about who the check will be payable to. My husband and I divorced and I purchased his share of the home and property as part of the settlement agreement, but could not have his name removed from the title of the manufactured home until the mortgage was paid in full. I have sent the document establishing this to Vanderbilt 4 times trying to get someone to assure me that this won't be a problem.

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 2021-09-07 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Credit Karma, LLC
State: GA

Complaint narrative:
Credit Karma solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple fraud disputes to Experian based on a trade line that is reporting as a charge off on my credit report. I contacted both the original creditor and the entity that purchased the debt second hand after default. The secondary creditor conducted a fraud review and subsequently removed the negative reporting from my credit report. I have contact the original creditor multiple times and have been told that they are no longer reporting this line item and that I should contact Experian directly. I have attempted to work with Experian multiple times, raising multiple disputes regarding this issue and they continue to report this negatively 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 2021-09-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX : opened dispute with Capital One regarding overcharged by a merchant. They said they would mail me a letter via US Mail if they needed more info. I did not receive the letter. 

XX/XX/XXXX : They emailed me to check a secured message. I logged into my account read the letter that said they were closing the dispute because I did not provide requested info. I then noticed that they had sent a letter on XX/XX/XXXX as a secured message that I received NO notification of requesting additional information. I explained to them that they told me I would receive a letter in the mail in which I did not and that I did not receive an email from them in XXXX re : a letter to log on to view. 

XX/XX/XXXX : They said they were no longer pursuing the dispute, and did not give me the opportunity to send the requested documents which I had. The vendor never refunded me or replied to me and neither did the company in which I paid. I am still out of the money I was overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Atlantic Mortgage and Funding, Inc.
State: FL

Complaint narrative:
Today XXXX Once again I would like to ask this company Atlantic Mortgage & Funding to stop. https : //www.atlanticmortgage.net/ On XX/XX/2021 I stablished a complaint against Atlantic Mortgage and Funding , Inc XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX, VA XXXX ( XXXX ) XXXX Web : https : //www.atlanticmortgage.net NMLS ID : XXXX Mr. XXXX XXXX manager will not stop harassing me. Its hard for him to understand the word NO I do not want and I had never requested this unsolicited junk mail. Today XXXX This letter will not stop and the complaint # XXXX at the Florida department of agriculture has not being answered. Why tis company insist in harassing me? 


This company its using my name and personal VA mortgage information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and VA loan offers. How this company got my information, what gives the right to this company to use my name and address on marketing and why?. What and how can this company write a misleading letter ( extremely hard to read ). Not very clear letter misleading veterans and seniors citizens and handicaps like me why a lower rate how they know my current rate?. There not a clear address the costumer must read the small print. Please look at the evidence letter. What gives this company the right to try to HAVE ME CALL THIS NUMBER XXXX, with misleading information, Not clear information.? Because its very uncertain about the veracity and legitimacy of this document I only assume the company above its responsible. This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the DMA. My name and address of my wife also has been submitted to be opt -out from this unsolicited misleading letters. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? Where at the XXXX County Please stop remove my name out their data base, and ask every marketing company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited mail. Companies like this one does not respect the fact that our names are OPT- OUT from this unsolicited junk mail. I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.

Remove my name please. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the DMA PLEASE READ THE LETTER ATTACHED EVIDENCE FILE ( Atlantic Mortgage and Funding, Inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft since 2017. 
This company is trying to collect debt that is not mine. Nor am I aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: OH

Complaint narrative:
Dear Credit Reporting Agency : Greetings. 

I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX Dispute All Inquires below from the following Lenders or Institutions was made fraudulent, please delete immediately - XXXX XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX For the Following Reasons : No Authorized No Recognized Sincerely, 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 2021-09-07 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: MD

Complaint narrative:
I submitted a dispute and an FTC report for fraudulent accounts on all 3 credit bureaus. 

Experian - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX - XXXX {$1100.00} XXXX XXXX {$1000.00}

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 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have informed XXXX, XXXX and Transunion that they are all reporting my XXXX payments and dates differently. 
They have failed to accurately update the payment history. In accordance with FDCPA 807 violation- reporting inaccurate and misleading information has to be deleted immediately. Please have this removed.

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 2021-09-08 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: Skopos Financial, LLC
State: GA

Complaint narrative:
XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.

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 2021-09-08 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: Home Loan Center, Inc.
State: GA

Complaint narrative:
XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of Lending Tree messing up people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I sent my dispute letters for the accounts and for the hard inquires to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Inquiry on my credit from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. This was not suppose to be hard inquiry. I was told to be pre-approval only. 

Also I am not familiar with COAF on XX/XX/XXXX. No knowledge of this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XX/XX/2020 with the response and sent back they made a bunch of Lies it's the true they harassed me making threat calls what all you said in that respond with notebook telling stories and I'm asking for this to get disputed off my credit report you ain't never tried to work with me help me on this year show me proof send Consumer Finance through what you told in that statement you don't send the pru it's all a bunch of Lies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is refusing to update my credit report due to fraudulent accounts showing as inquiries. I submitted a copy of my fraud report and the other bureaus have removed these account but Equifax has refused to do so twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I need credit report update XXXX Ally Bank and 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 2021-09-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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:
Back in XX/XX/2021, we refinanced our XXXX XXXX car loan with XXXX  XXXX XXXX. On XX/XX/2021, Kia Finance received a check from XXXX  XXXX XXXX. XXXX overpaid Kia {$850.00} over the payoff balance. Also Kia took over a month to credit that check to our loan. For that reason, we made an additional payment for {$450.00} to Kia Finance so no late payment would show up in our credit report. After months and many requests to Kia to refund both the {$850.00} and the {$450.00} to us, we have been told by their customer service department that both refunds are on hold since XXXX, 2021 and that all they can to is to send an email to the payment department to initiate the process. We have been told the same thing over six times. I called today XX/XX/2021 and was told that there's no record of anyone initiating that process. We are in the third month of paying XXXX XXXX XXXX for the refinance loan including the overpayment they sent to Kia. Kia customer service does not have a direct way to communicate with their payment dept and I'm affraid that after a few months they will have no record of my account and both overpayments.

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