vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/, I sent certified mail requesting a 1099 form for a closed Toyota Motor Credit/Toyota Financial account as mandated by the Internal Revenue Code ( 26 U.S.C. 6041 ) to XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX ), acting as the Trust Indenture for Toyota Financial. The correspondence also included a Notice of Rescission and instructions on how to handle the security interests of my principal. The correspondence was returned as " Rejected '' due to an " incorrect department. '' This lack of clear instructions hinders obtaining accurate tax information, especially for canceled debts exceeding {$600.00}, potentially violating IRS regulations. 

XXXX XXXX failed to provide clear instructions on where to submit these requests, creating confusion and delay. This lack of transparency hinders my ability to manage my financial obligations and tax compliance, potentially violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires furnishers of information to maintain reasonable procedures for ensuring the accuracy of information reported. 

I am concerned about potential continued collection efforts and negative credit reporting for this closed account. This violates the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( b ), which prohibits debt collectors from falsely representing the character, competence, or status of the creditor. 

My correspondence included a rescission notice under the Truth in Lending Act ( TILA ), outlining specific steps XXXX XXXX should take regarding my principal 's security interests. Failure to comply may constitute a TILA violation.

SEC Concerns : 1. Trust Indenture Compliance : I am concerned about XXXXXXXX XXXX XXXX compliance with its obligations as the Trust Indenture for Toyota Financial. The lack of clear communication and potential inaccuracies regarding account status raises concerns about transparency and potential violations of securities laws.

2. Disclosure and Reporting Requirements : The missing 1099 form and potential inaccuracies in account information may impact the completeness and accuracy of disclosures to investors, raising potential concerns about compliance with SEC regulations regarding continuous disclosure and reporting requirements.

3. Potential Misrepresentation : The confusion and discrepancies surrounding the closed account and related information could be seen as misrepresenting the financial condition of the security, potentially violating securities laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
On XXXX I attempted to get a loan in the amount of {$350.00}. I used the standard transfer option. On XXXX I received an email staying that due to a technical error my loan will arrive on XXXX instead. I did not receive my loan and opened a ticket on XXXX. XXXX responded that my loan failed due to a technical reason and that I should try again. Per support, I requested a test loan draw of {$48.00} and paid the fee for same day deposit. That loan was received that day. Following that, I requested a loan in the amount of {$340.00} and paid the same day fee. The {$340.00} loan did not arrive that day. I proceeded to contact support for additional assistance. Per support, I XXXX the auto-pay function until the issue was resolved. On XXXX my XXXX XXXX  was charged {$360.00}. I promptly contacted support for an immediate reversal. This lead to the account to be severely overdrawn and I am unable to make payments on bills. I attempted to follow up on XXXX. I did not receive a reply until XX/XX/11, in which Empower was still 'researching ' the issue. However, I am now incurring fees with my bank. On XX/XX/11 I filled a dispute with XXXX XXXX to reverse the transaction and have submitted the support tickets. 

Empower has been incredibly slow resolving an issue that is causing a major problem and incredibly high fees for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, Transunion, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an XXXX ( XXXX of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( XXXX ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This XXXX is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This XXXX is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each Experian, XXXX, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.

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 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX i rec 'd an email about payment change. The index is incorrect ( should be XXXX ) which impacts rate. On same letter it shows {$820.00} due for taxes and insruance but I already paid in full XXXX to cover said escrow shortage so that amount should be reduced by {$140.00}. I called the company on XX/XX/XXXX and again on XXXX about both issues and have not rec 'd anything correctly this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express online banking XXXX mos CD matured XX/XX/23 ( Sunday. ) Their email and letter said call during grace period to close. I called XX/XX/23 ( Monday ) and was told it would take up to 13 days to transfer my funds to my checking account ; and I would be notified by XXXX mail only. I was later told it would be XXXX days. I called on the XXXX day, XX/XX/23, and was told XXXX days was incorrect. My funds will not be released until XX/XX/23. There is no disclosure of this additional 10 day hold of my funds after maturity in any of their materials, from inception to the letter and email stating my CD was about to/ had matured. This is a deceptive practice, and an aggressive way to keep my funds and allow them to automatically renew for another XXXX mos. ( During a second call on XX/XX/23, I was told I could call a few days before maturity to get the new interest rate and give instructions on closure or renewal. I told the representative this information should have been in their email and letter- it was not. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've noticed unauthorized hard inquires on my Equifax credit report and I need them removed. The inquiries didn't come from me and I didn't give authorization for anyone else do them on my behalf. Here 's a list with the dates of the hard inquires I need removed with the dates included. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE
State: FL

Complaint narrative:
I sent a verification and validation letter to the address listed on my credit report for AVANTE USA and followed up with a call. However, I haven't received any information regarding this account via mail. Additionally, this account has exceeded the statute of limitations according to my state 's laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have already filed a complaint about Bank of America opening an escrow account without my consent over a missed real estate tax payment. I have already paid the missed real estate taxes plus an additional {$6000.00}. My mortgage payments have more than doubled and I need help paying these excessive fees. I can pay my former mortgage payment of {$930.00} per month but not the {$2100.00} per month they are now charging me. I would like some guidance about returning to my previous mortgage amount per month. Please advice. Bank of America sent a list of all payment amounts and dates to me through the mail but has provided no assistance or guidance about how to equitably resolve the situation. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I initiated 2 claims with Bank Of America on XX/XX/XXXX  for fraudulent debit card charges on my checking account. One was in the amount of {$980.00} and the other was for {$640.00}. The date range of the fraudulent transactions went back as far as 11 months prior to XX/XX/, but many were more recent. These fraudulent charges were made against my checking account debit card without my knowledge or consent. My debit was in my possession at all times. 

I filed the claims with the help of an associate in the BOA Debit Card Fraud department on XX/XX/23. The debit card charges were initially put in a " Temporary Credit Adjustment '' status and then later denied because they were " outside the 12 month window ''. If that were true ( and it is not ), why would the BOA associate have helped me file it? Plus, if BOA took too long to review the issues, why should I be penalized for that? That " blanket '' explanation did not apply to the dozens of fraudulent charges that occurred over several months. Additionally, why would BOA provide a temporary credit adjustment if they thought it was outside of the 12 month window? This does not make sense on many levels. I appealed these decisions to BOA and my appeals on both claims were again denied. 

This result was very disappointing as I have filed other claims for much smaller amounts and they were paid. That seems inconsistent. 

I acted in good faith and I expect Bank of America to do the same. Please review and advise. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 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: GA

Complaint narrative:
On XX/XX/2023 my wife and I bought a XXXX XXXX and financed $ XXXX.through Hyundai Motor Finance company XXXX On XX/XX/XXXX we paid the vehicle off. 
Unbeknown to me or my wife, the dealership erroneously created two accounts for us with Hyundai Motor Finance ( same VIN within each account ). One account shows we paid the vehicle in full. The other account shows we never made a payment. I have been in touch with Hyundai Motor Finance no less than 10 times trying to rectify the issue, one of those times i coordinated a conference call that included the dealership. 

In October I filed a formal complaint with the company and they have since assigned someone from their Customer Care center. I spoke to her one time three weeks ago, left three messages since, and get no response.

Hyundai Motor Finance has not released my title- they still have an electronic lien against the vehicle on file with the state of XXXX. 
Hyundai Motor Finance continues to send collection documents to me and my wife and now state we are in default and are threatening legal action if we don't pay for the vehicle by XX/XX/XXXX. 

I am concerned that Hyundai Motor Finance will fraudulently make negative credit reports against me and my wife when they are very aware that such reports would be untrue. I am also concerned about legal action they my take against me even though that action is without basis.

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 2023-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I purchased a fence from a lowes contractor. He told us we had a XXXX  month loan, we calculated the total payments. Paid those and were charged XXXX in interest because of an accidental charge for stone on the account that wasnt taken off. 

This Lowes store is one of the worst stores Ive dealt with. Weve had several issues where they damaged goods delivered and damaged goods loading them into our vehicle. 

The fence isnt even a good fence. The door is splitting and I havent been able to get the company to get out and fix it. 

Lowes in XXXX XXXX. Terrible employees, terrible environment, terrible quality.

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 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I applied for the SAVE plan for my student loan repayments on XX/XX/XXXX, and was quoted that I would have to pay {$360.00} per month. My loans were put on administrative forbearance on XX/XX/XXXX, when payments were supposed to start. This morning ( XX/XX/XXXX ), I got an email from Mohela saying that my auto debit is set to start on XX/XX/XXXX at {$540.00} per month. I looked at the status of my IDR and Mohela said it was received on XX/XX/XXXX but " cancelled '', without any further information. It takes more than an hour to reach a representative, making it impossible with someone with two jobs, working 7 days a week to reach them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Fuel Capital Group
State: CA

Complaint narrative:
I requested multiple times documents to verify correctness of loan received for my used XXXX XXXX. strike loan acceptance has ignored my requests for two months, is now reporting negatively and inaccurately on my credit report and is refusing to accept my monthly payment. I purchased the car XX/XX/XXXX. About a month later I received paper work stating my car payment was now due, but i noticed the amounts were incorrect regarding the monthly payment, the loan pay off amount, as well as warranty I had purchased as well. Strike has repeatedly promised to send me the copys and has yet to do so. I asked them to be mailed, faxed or emailed and Ive still received no correspondence. Ive attempted to pay my monthly amount to prevent negative reporting on my credit ; but they have blocked my ability to make a payment completely, and are still reporting to the credit bureau I am two months late despite my efforts to pay.

Company response to consumer: Closed with explanation