vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
TD auto finance is reporting a commercial account to my personal credit report, I dont have a personal liability on this account but they are reporting it to my personal credit. I am requesting to remove this account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX thru XXXX XXXX XXXX and before the end of the 3 year lease the care was returned by a broker ( XXXX XXXX, owner : XXXX XXXX, cell ; XXXX ) to XXXX XXXX   XXXX. He forgot to get an LPW number at that time and proceeded to lease me a XXXX XXXX XXXX for another 3 years. When I decided to lease now a new XXXX XXXX, I received a letter form XXXX XXXX that I owe them another {$4400.00} representing the difference between Contract receivable and the selling price of the XXXX XXXX. I am XXXX XXXX  and I have been leasing XXXX  cars since XXXX and always given back the cars before the end of each lease period ; I have never been submitted to this type of non sense super creating billing which I believe is illegal. In addition XXXX XXXX ruined both my credit score and that of my wife because several XXXX dealers told me that if I add my wife as co-leasee, they would approve a new lease -- subsequently I got several letter of denial stating that I owe money to XXXX XXXX and my credit score is too low. I add that I have a duplex in XXXX and a house upstate and no loans to pay to any entity..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Back in 2014 fell behind on my mortgage with Bank Of America loan origin XX/XX/XXXX to XX/XX/XXXX.  They sold the loan or transferred the loan to XXXX XXXX XXXX Tried to get the loan modified they gave me the run around missing docs, need more information this went on until XX/XX/XXXX I was able to get it modified they lowered the interest rate from 5.125 % to fixed 3.375 % and lowered payments to {$820.00} number of monthly payments 233. 

Assumed everything was correct made my payments to XXXX every month up to XX/XX/XXXX they transferred the loan back to Bank of America. I noticed online that the loan changed to a XXXX XXXX XXXX and remaining on the loan was 39 yrs and 6 month. Called BOA to let them know it was wrong got the run around everyone I talk to agreed with me that it was wrong. I continued making my mortgage payments to BOA and assured they would fix it more time passed. I got busy with life and didn't check on it because every time you have to explain why you are calling again and again and the agent would look at loan mod docs state I was correct and the circle would continue. 
You need to talk to a different department they would put in a claim to a different department to get it corrected. 

Last week I tried again to have someone fix it. Called again today the agent asked my name when I said it they instantly hung up. This happened 4 times in a role. The 5th time I asked the agent not to hang up before giving my name. I never was cross or lost my temper with the agents. Just want to get this resolved. 

When I talk to XXXX  agent they told me that the rolled in the rears and fees and by lowing the interest rate it would not increase the length of the loan. 

Note in my modification it says nothing about a balloon or increasing the loan terms

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 2019-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : 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

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 2019-11-05 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 applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 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:
XXXX and Experian are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}

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 2019-11-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX stated once tradeline was satisfied, it would be removed off credit file. Payment is rendered per agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX has an account opened XX/XX/2017 with a balance of {$2500.00} and this is a fraudulent account. My identity was stolen, completely. Also, XXXX XXXX has an account opened for me on XX/XX/2017 with a balance of {$8500.00} and this is a fraudulent account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am an employee of XXXX XXXX XXXX. In XX/XX/XXXXshe performed XXXX on me. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, performed the XXXX. As a professional courtesy, I was not billed personally for the procedure which was a very nice gesture on their part. A couple of years later I got a bill after the practice was sold. I immediately sent letters of validation to their officers Dr. XXXX XXXX and XXXX XXXX. These letters were not answered. 
My credit report has now been hit by a collection firm called MBA Law, The Law offices of Mitchell D. Bluhm XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
PHH purchased my mortgage each month I do not get statements ; I am unable to view any acct info online and their customer Svs dept always says the system is updating or down.. I need an actual company that services the loan Instead of some fly by night company that does not know what they are doing. 

My loan number is XXXX My name is XXXX XXXX I want a statement and I want to see my payments credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER XXXX, XXXX NOR TRANSUNION HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.

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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER XXXX, EXPERIAN NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.

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 2019-11-05 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: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WI

Complaint narrative:
Alaska Commission on Postsecondary Education # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CO

Complaint narrative:
I have been with Navient for 3 years and I have never had customer service actually fix my problem. Such as, getting enrolled in auto pay, giving me no answer to why my interest rate is the was it is. I paid XXXX on XX/XX/2019, on the phone I believe XXXX told me that my advanced payment would be taken and I wouldnt have to worry about my next payment until XX/XX/2019. She did not tell me I would have an increased rate of XXXX . I feel as though I dont have any correct information on my loans that I try my hardest to pay every month on time. I have been given 2 different account numbers because no one can find my correct account number. Every time I call them to try and find answers they say my account is in good standing and Im doing great. Then to find out I started out with around {$6700.00} in student loans from Navient and now on XXXX I have {$7000.00}. How am I in good standing if they have taken my payments and now I owe them more than I started with. I got pushed into forbearance and that unknowingly increased my rate. I did not get told about and rates being increased. I have spoken with 4 Navient customer service members and they all have said they would help get me my answers. They tell me the same thing that Im in good standing and I have nothing to worry about. They give false hope and wrong information. These are peoples lives not accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND XXXX. NOTHING HAS BEEN DONE OR SAID BY EQUIFAX. WHY HASN'T EQUIFAX DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER EQUIFAX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank cleared a check for {$2400.00} and made all the funds available the next day. I sent scammers {$2100.00} and the Bank took the $ from my account. On XX/XX/2019 I deposited a check for {$2400.00} which I didn't know was fake. The Bank cleared the check and all the money was available in my account the next day. I sent the scammers {$2100.00} through XXXX ( a money transfer service provided by the Bank through their app ). On XX/XX/XXXX, the funds were removed from my account because the check was fraudulent. The Bank took zero responsibility in the matter. I sent a letter and an email to the CEO ( Attached in this  complaint ) explaining the unfairness of the situation and his assistant called me. He told me that these fraud cases are very common and happen all the time, to which the Bank never warned me about and never realized that my transactions were odd. I am a Bank of America customer for 13 years, I haven't deposited a check that large in person in years and I haven't used XXXX in about 4 years and the amount was maybe {$300.00} to my mother who also had a Bank of America account at the time. The CEO assistant told me that XXXX does have scam triggers and he doesn't know why it didn't work for me. I have a Bank of America credit card and get alerted for unusual transaction I make and I am constantly asked if I made certain odd purchases even if it's for {$1.00}. How come there's so much security for credit cards and zero security for these super common check scams. Banks are supposed to take care of the customer 's funds ; this is why people trust banks with their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, I purchased a large refrigerator from XXXX XXXX for {$5800.00}. XXXX contracted with a company called XXXX to deliver the refrigerator and haul away the old one. On XX/XX/XXXX, delivery company was extremely careless and caused significant damage to the new fridge and my limestone floor. After a week of trying to work things out with XXXX/XXXX, they continued to give me the run around refusing to replace the refrigerator and repair the property damage. For more than a month I have been bounced between XXXX, XXXX, their insurance companies and insurance of their contractors. No one wants to accept responsibility. 

On XX/XX/XXXX, I contacted Chase to stop payment to XXXX XXXX. On XX/XX/XXXX I submitted all the supporting documentation, pictures and evidence of the damage in the fridge and my property. 

Chase refuse to perform their obligation under federal credit law of protecting my purchase and stop payment to XXXX XXXX. It is taking them more than three weeks to process my claim, not stop payment, just make the decision to stop payment. I called them numerous times and get faced with rude dispute representatives and supervisors who don't want to even put me in touch with the person who is looking into my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been 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 2019-11-05 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:
Hello I reached out to you all back in XXXX about some items on my credit that were not mine. This has really been a big inconvenience and has put me in a really bad spot. Some of the items were handled but there are still two more and some inquiries. Please remove these accounts from my credit asap. I got in touch with the local police also the ftc. Items for removal : XXXX XXXX XXXX XXXX and XXXX And the inquiries are XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from someone who identified himself as a Chase representative he told me that thought there could have been suspicious activity on my account regarding a scheduled payment on bill pay. I explained that it was me that I set it up to pay my rent that would be due soon he thanked me and hung up. I tried to access my online account later that day and received an error message that I was locked out, I thought I might have just entered the wrong password and decided to take care of it latter. 
On XX/XX/XXXX appx XXXX i called Chase regarding my locked account and was told i had to go into a branch and provide positive Id in order to have it unlocked. I drove to the XXXX Branch and was told by the teller i had to see the Bank manager, the Bank manager then called me into his office where he told me the bank had no idea why my account was locked, he called someone i skied who he was calling he sternly said its the department that handles these things he was on hold for about 20 minutes then started talking to someone he then told me my account was closed he didntt know why my two options were to open a new account or wait for Chase to mail me my money in the form of a check in 3 to 5 business days. I told the bank manager that I needed that money to pay my rent he just repeated the options. I then told him he needed to get someone on the phone that that was not ok and I wanted my money. He said if I dint leave he would call the Police, I informed him to do so that I would like the documentation. Apps 15 minutes later the Police arrive I explained the entire situation to them and they took a report and told me theres nothing they could do. When I returned to my office I called the 800 number for Chase and was transferred to what they called the Executive Department i spoke to someone named XXXX who said she would make inquiries about getting my money sooner and told me I can call back and if she wasnt there anyone would be able to help me. Around XXXX I called and the lady who answered that XXXX was not there and I needed to talk to someone named XXXX but she wasnt there either, I asked what was XXXX title and she said that only give out first names and transferred the call I left a voice message explaining the urgency of my needing my money returned Immediately. On XX/XX/XXXX I talked at appx XXXX I spoke with XXXX from the Executive Dept., who apologized for the inconvenience and told me that since I verified my identity she has requested that I would be allowed to re-open my account, so I would have access to my money, I informed her that I no longer want to do business with chase and I needed my money to pay my rent, she apologized and said that could take up to 3 to 5 days.

Company response to consumer: Closed with explanation