vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
To Whom It May Concern, On XX/XX/19 I received a letter from XXXX XXXX XXXX, a collection agency in XXXX, FL, on behalf of Toytoa Motor Credit. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to XXXX on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through Toyota to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from Toyota stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that Toyota had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called XXXX on XX/XX/19 to find out what as going on and they indicated that this was coming directly from Toyota. After calling Toyota to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get Toyota to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that XXXX XXXX has been great to work with. My issue is only with Toyota Motor Credit Corp! 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN HAS BEEN REPORTING INNACURRATE BANKRUPTCY INFORMATION UNDER THE PUBLIC RECORDS SECTION OF MY CREDIT REPORT. YOU WILL FIND SUPPORTING DOCUMENTATION THAT PROVES EXPERIAN NEGLECTED TO INVESTIGATE THIS INFORMATION DESPITE SEVERAL REQUEST DATING BACK TO XX/XX/2016! 

EXPERIAN HAS BLATANTLY IGNORED MULTIPLE REQUEST TO REMOVE THIS BANKRUPTCY OFF MY REPORT, CLAIMING THE INFORMATION HAS BEEN VERIFIED BUT REFUSING TO PROVIDE ANY DETAILS ON THE METHOD OF VERIFICATION WHICH HAS BEEN REQUESTED NUMEROUS TIMES WITH NO RESPONSE. 

I EVEN PROVIDED EXPERIAN WITH A LETTER DIRECTLY FROM THE GEORGIA XXXX DISTRICT BANKRUPTCY COURT STATING THEY DON'T VERIFY ANY INFORMATION WITH 3RD PARTY REPORTING AGENCIES. THIS PROVES THAT EXPERIAN 'S CLAIM TO HAVE VERIFIED THE INFORMATION IS COMPLETELY IMPOSSIBLE BECAUSE THE COURT IS THE ONLY ONE WHO IS ABLE TO VERIFY THAT THE INFORMATION IS ACCURATE. EVEN AFTER BEING PROVIDED WITH THE LETTER, EXPERIAN RESPONDED AGAIN BY CLAIMING THEY VERIFIED THE INFORMATION, OBVIOUSLY INDICATING THAT NO INVESTIGATIONS ARE EVEN BEING PERFORMED AT ALL, EXPERIAN 'S JUST AUTOMATICALLY RESPONDING WITH THE SAME EXACT VERBIAGE FROM THE INITIAL DISPUTE IN 2016 WHICH IS COMPLETELY UNACCEPTABLE AND VIOLATES THE FCRA! 

I ALSO PROVIDED DOCUMENTS TO SHOW THAT EXPERIAN HAS A LONG HISTORY OF REPORTING INACCURATE PERSONAL IDENTIFIABLE INFORMATION ON MY CREDIT REPORT. FROM 2016 TO CURRENT YOU CAN SEE THAT EXPERIAN REPORTED SEVERAL VARIATIONS OF THE WRONG SOCIAL SECURITY NUMBER, UNKNOWN ADDRESSES, EVEN THE WRONG NAME ON MY REPORT. I FIND THIS ENTIRE SITUATION COMPLETELY UNACCEPTABLE AND DEFINITELY UNFAIR. I'M ON XXXX XXXX AND HAVE SERVED FOR 14 YEARS IN THE UNITED STATES XXXX BUT DUE TO THIS INACCURATE INFORMATION I AM UNABLE TO EVEN GET APPROVED TO PURCHASE A HOME FOR MY FAMILY USING THE VA LOAN. I AM FORCED TO LIVE APART FROM MY WIFE AND CHILDREN DUE TO MY LOCATION UNDER MILITARY ORDERS AS A RESULT. PLEASE HELP ME IN GETTING THIS INFORMATION CORRECTED. THANK YOU FOR YOUR CONSIDERATION.

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 2019-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CO

Complaint narrative:
XXXX XXXX Debit card # XXXX XXXX XXXX XXXX  Exp. XX/XX/XXXX was issued by the Social Security-Treasury Department as part of the electronics payment for XXXX XXXX XXXX. These are monthly benefits in the amount of {$750.00}. XXXX XXXX is manipulating my daily average balance downward for over 3 months now. XXXX XXXX lists XXXX as the consumer assistance call center. However, when you call this direct, you are simply provided with an extensive, generic repeat of options. XXXX XXXX does not allow clients to lodge complaints, to flag and dispute transactions. XXXX XXXX   portal also appears to systematically fail clients. I keep having to re-register, with no success. Recently, I received an SSI payment of {$780.00}. I know from simple store expenses that there should be a minimum of {$500.00}. Today I called XXXX XXXX  to dispute two charges ( something I have been trying to do for weeks ). I was informed my balance dipped to {$100.00}. It is inexplicable. However, XXXX XXXX will not provide on their automated system, transactions leading up to the balance in question. XXXX XXXX call center simply refused to provide clients with the means to see the daily transactions and balances, and to dispute charges. XXXX XXXX   fleeced me last month in a similar MO, and the month prior. XXXX XXXX  must provide immediately clients with details about transactions and allow clients to dispute them on the spot. Even the simple act of reporting a card as been compromised is out of the question with XXXX XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Sallie Mae-Navient lied to get get me to switch my perfectly good account with XXXX promising a very very low payment. They offered me loan forgiveness and charge me {$500.00} to switch my account over locking me into very low payments. I am being way over charged in interest and they are requiring me to pay an incredibly high payment which is not at all what I signed for! My balance on my account does not reflect all of the years of on time payments I have made the amount keeps getting higher! My interest alone in 2018 was {$2600.00} PLEASE PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MS

Complaint narrative:
Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.

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 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I get repeated calls from this phone number they leave a message but other it just rings and then if i do not answer they will call again the next minute. I get a minimum of 4 phone calls a day and up to 5. f or example on
XX/XX/2019 XXXX called at XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX on XX/XX/19 XXXX XXXX,XXXX XXXX, XXXX XXXX, XXXX XXXX and it is like this Monday through friday.

Pacific standard time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I received a letter from a debt collector Lawyers Office stating that I had 30 days from receipt of the letter to validate the alleged debt. I have replied to the Lawyer 's Office, My document is attached.I would like for the those stated as the RESPONDENT in my Notice of Dispute to respond to the dispute letter from me.

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 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I get this call on XX/XX/19 @ XXXX from Midwest Recoveries. They claim I owe a doctors debt {$680.00} from XXXX XXXX, what is stupid and ridiculus about this is the agent that actually called me mainly called to brag that Midwest Recoveries had already placed this debt on my credit report. 

Whats not fair about any of this : 1. I have dealt with this company before and told them that this debt is mine. I dont owe a bill with this company 2. Even if this debt where to be validated, what is not fair to myself is I have never been notified of this debt. The company " Midwest Recoveries '' proudly threw this debt on my credit report. They never gave a chance for it to be addressed just throw it on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: MS

Complaint narrative:
Under the new law beginning XX/XX/2017, public record data collected for credit reporting purposes including bankruptcies, civil judgments and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows name address social security number and date of birth and minimum frequency of courthouse visits to obtain newly filed and updated public records of at least 90 days.

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 2019-01-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I do not recognize account or inquiry

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 2019-01-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refuses to unfreeze my credit report and score to allow for my mortgage lender to process my application. Their website does not recognize my correct personal information and therefore will not allow me to unfreeze it myself nor obtain a new PIN number. I contacted Experian directly and they claim that they can not issue me a new PIN except by mail ; which will take ten business days. Neither myself nor my lender have two weeks to wait for this PIN to arrive to process my loan. The Experian advised that there was nothing they can do to expedite this process. This refusal by Experian to provide immediate assistance to unfreeze my credit report and score has the potential to cause me to lose out on a loan for my home.

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 2019-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: PA

Complaint narrative:
For the past 2 years I have received harassing telephone calls to my home and cell phones from a representative of AR ResourcesXXXX XXXX XXXX XXXX, XXXX XXXX Pennsylvania XXXX, XXXX. 

Their Representative has repeatedly called and harassed me over a student loan ( XXXX University ) debt that has been removed from my credit profile. He called me as recently as today. 

I would desire that the representative be disciplined and or fired and likewise the company be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Collection Company for XXXX XXXX that I was not aware of debt. I was on a payment plan with XXXX that I was told completed, with no documentation that I owed more. now collection company has called twice, the first time when asked for details they didnt provide and I mentioned fair credit reporting act they hung up. second call I asked for a manager. I asked that the file be sent back to XXXX to complete payment plan rather than pay collection agency all at once. Again, I mentioned fair credit reporting act and the rep tried to get me off the phone and told me collections would continue until I paid and would be put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
Lakeview Loan Servicing assumed servicing for my mortgage from XXXX XXXX  in XX/XX/2018. Since that time I have been dealing with both incompetence and frivolous fee billing with this organization. XX/XX/2018 I was given an amount that would pay my loan down so the PMI would be taken off. However, the calculations were incorrect so I had to wait several more months before the PMI was lifted. Recently I had a problem using their online payment system in that they did not bill the bank account number I had been typing in and using over the past 9 months. When I noticed the payment I submitted on XX/XX/XXXX had not cleared my bank account, I called in XX/XX/XXXX to inquire as to why. It appeared that a digit had been dropped from their transaction so they were trying to debit an incorrect bank account number. The support rep on XX/XX/XXXX stated that we would have to let the prior payment fail, and input another that would clear. I had asked her to correct the number so the original payment would clear, but she stated the process she described would not result in any charges. 
On XX/XX/XXXX I received a letter stating they were charging me for a fee for 'non sufficient funds '. Upon receipt I spoke with XXXX who stated that the XX/XX/XXXX call would need to be pulled to verify the issue. I requested that to happen but never heard back from the company. I notice that my next payment shows the fee added.

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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN 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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/18 my debit card number and PIN number were used to make a fraudulent transaction of {$270.00} at a XXXX  grocery store and the person also attempted a {$320.00} transaction but chase froze my card already at this point. Chase refunded me the {$270.00}, on XX/XX/XXXX the took the money back out of my account and Im getting bombarded with overdraft fees. I received a letter saying it was ruled as authorized because my PIN number was used. I was told if I had any other information to send it through fax to them. I sent them my emails with the XXXX  police, and screen shots of my XXXX location services putting me a 35 minute drive away from the place the transaction took place at the time it took place. I dont think chase will help me and I dont know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/2017, I bought vacation package from XXXX for my family ( XXXX people ). 
XXXX sold me a package - which was a classic bait and switch the description of the property online was not the reality. When I bought this vacation package I used credit card American Express Delta SKYMILES. 
During vacation I had multiple issues, and when I come back from the trip I called American Express and asked their support to protect my interest as a customer and help me return the money for the trip.Americam Express representatives answer was : we are going to investigate this matter. 
After some times, American Express sent me a letter saying that they did their investigationand that they needed more information from me. This went on for 5 months where I would get a letter that they needed more information and every time. Multiple times they told me they can not help with this matter and it needs to be taken up with XXXX. American Express did not protect my interest. I tried to reach management of American Express or legal department many times, however, it was always useless. The last time that I tried and finally got ahold of a manager- she was very rude and nasty to me. She would raise her voice and shout at me, she treated me like I was garbage and she was doing me a favor for even picking up the phone to speak with me. I asked her who gave her the right to talk to me like this, and she responded XXXX is one of our biggest customer and we do not want to ruin our relationship is them just because of you. 
It took me one and a half year to protect myself in the courts against XXXX. I have won the case against XXXX twice- once in thesmall claims Court of XXXX , and after- in their Arbitration Court ( XXXX tried to appeal the original ruling ). I finally got my money back, but I spend a lot of time and energy its was damaging to my character, it was difficult to protect myself when American Express should have stood behind me and protected my rights as a customer. 
I can provide copies of the Court Orders and the copy of the check which I finally got back from XXXX. I wanted to let everyone know how American Express customer service representatives, management and legal departments do not stand behind their customers and protect their rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The debt owed per the agency is false. I had moved to an apartment in XX/XX/2018 where they do not allow XXXX XXXX. The dates owed for this debt is not possible because of this. I updated all my creditors with my new address when I moved and this debt is not correct. I do not feel it is mine due to the dates of the debt are after I moved from my prior location where I had XXXX XXXX.

Company response to consumer: Closed with explanation