vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I made a payment on their website for my first auto payment on XX/XX/2017 for XXXX. The Toyota Financial Services website was specifically designed to not allow a principal payment in the payment area. The regularly scheduled payment was for {$260.00} and I had paid an extra {$200.00} toward the auto loan amount so as to reduce the amount of the payment term. The representative did state she would reclassify the amount of this first payment to both regular payment and principal for this instance. However the issue came up when I asked if I could make both a regular payment and principal payment on the same payment submission area of the website. The representative stated that in order to receive credit for the payment in the future that I would have to submit only regular payment amounts on the website. She further stated that to receive a principal payment I would need to write a separate check and send it regular US Mail to the address shown. I expressed my dismay at the answer to my question, but she stated that is only I way I could do this. I feel that this is unfair trade practices and that this finance company to allow for both payment types ( regular and extra Principal ) on their website to occur. I think it is egregious that we ca n't have a one stop payment website. I have a long term 84 month on my auto and I wish to reduce it by any means possible. It not good customer service to Not allow for extra payments to be made online at this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I XXXX have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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:
My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.

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 2017-09-21 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenitybank XXXX My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within XXXX hours at the latest and I wo n't accept nothing no later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I leased a XXXX XXXX XXXX back in XXXX XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XXXX XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XXXX XXXX, XXXX. I appeared in court on XXXX XXXX, XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XXXX XXXX, XXXX. The courts approved the Reaffirmation Agreement on XXXX XXXX, XXXX. The XXXX XXXX was then turned in at the XXXX XXXX Dealership in XXXX XXXX, Nevada on XXXX XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, Equifax, and XXXX are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XXXX XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: Innovis
State: NV

Complaint narrative:
I leased a XX/XX/XXXX XXXX XXXX back in XX/XX/XXXX. The lease was for 39 months. My wife and I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Instead of including the XXXX XXXX in our Chapter XXXX Bankruptcy we chose to have the XXXX XXXX XXXX reaffirmed. I only had four more payments left and the lease would end. Our attorney submitted the Reaffirmation Agreement to the courts on XX/XX/XXXX. I appeared in court on XX/XX/XXXX for the Order on the Reaffirmation Agreement. The amount of the debt to be reaffirmed was only the remaining payments due until the lease matured on XX/XX/XXXX. The courts approved the Reaffirmation Agreement on XX/XX/XXXX. The XXXX XXXX was then turned in at the XXXX XXXX XXXX in XXXX XXXX, Nevada on XX/XX/XXXX to the original creditor and the lease was complete and finished. The original creditor was XXXX. XXXX was then taken over by XXXX XXXX. XXXX, XXXX, and CBClnnovis are all reporting that XXXX XXXX included the XXXX XXXX in the Chapter XXXX Bankruptcy which is incorrect and illegal not to mention it is also showing activity as of XX/XX/XXXX ( states closed ) which is also incorrect. The XXXX XXXX was turned in and given back to the original creditor with no remaining debt left to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: AR Resources, Inc. (FL)
State: DC

Complaint narrative:
XXXX acceptance- {$8800.00}. XXXX XXXX {$570.00}. Dapartment of commerce- {$1100.00}. AR resource incXXXX  {$780.00} and hard inquiries i tryed contacting them no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Now that XXXX has released all our information all over the world, I tried to put a " Security Freeze '' on the 3 bureaus. I was successful at XXXX and XXXX but TransUnion not. I took me click after click on the internet on links that kept bringing me to their pay services. When I finally reached a page it wants me to register. Since one bureau already shared my information across the globe I care not to even register. All I want is my credit frozen. On top of it, I have been on the phone on hold for over 15 minutes and can wait no longer. 1 - This should not be so difficult. 2 - They only seem to want your money 3 - We should be regulated like XXXX 4 - I and my spouse both need to have our credit frozen 5 - I also am going to write my Congressional and Senatorial representation and even though not mine, XXXX XXXX. This is more than ridiculous we are putting the heart of America at risk for  disaster for short-term gains by the few. How can I get our Credit Frozen and when. Thanks, 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 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I was alerted by the credit bureau that there was new activity on my credit. Once I checked my credit, I noticed a collection that is not mine. I am not sure who this happened. The accounts fraud.

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 2017-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Discovery Systems, LLC
State: UT

Complaint narrative:
On XXXX/XXXX/2017 XXXX XXXX with XXXX XXXX called over 5 relatives of mine in an attempt to contact me. 
He has shared personal information regarding my debt with my relatives and I 'm certain this violates fair debt collection practices. 
He has informed them I 'm " severely delinquent with XXXX XXXX '' and that I " need to contact him or he 's going to send me to civil court '' This matter needs to be addressed. I 'm not comfortable with my private information being shared with my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and XXXX should have removed the settlement from my report as of XX/XX/XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XX/XX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but XXXX is not removing it. Every time XXXX contacts XXXX, XXXX tells XXXX that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and XXXX. This is also happening with XXXX 'XXXX XXXX ( credit card now through Synchrony Bank was through XXXX XXXX ). XXXXXXXX XXXX XXXX was also settled and first reported delinquent XX/XX/XXXX. I have tried on numerous occasions to resolve this with XXXX XXXXs XXXX and XXXX with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my XXXX credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and Equifax should have removed the settlement from my report as of XXXX XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XXXX/XXXX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but Equifax is not removing it. Every time Equifax contacts XXXX, XXXX tells Equifax that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and Equifax. This is also happening with XXXX 's XXXX ( credit card now through XXXX XXXX was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XXXX XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and Exquifax with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my Equifax credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NV

Complaint narrative:
I am making a complaint against Suntrust Mortgage XXXX XXXX XXXX, XXXX VA XXXX In reference to Loan No : XXXX. The basis of my complaint is that on or about XX/XX/XXXX I was advised in writing by Suntrust that my escrow impound would increase {$630.00} per year or {$52.00} per month based on a projected escrow shortage On XX/XX/XXXX, I received some correspondence from XXXX XXXX which caused me to discover that there there would in fact be no escrow shortage as I had been paying on two Homeowners Policies in error when the new escrow was caluclated in XX/XX/XXXX. Thereafter I immediately began to obtain a reanalysis of the escrow impound from Suntrust on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX over the course of four lengthy conversations. Some of Suntrust 's telephone reps could not understand the issue. One explained that I should get a refund from XXXX and send the money back to Suntrust, who thereafter would send the money to me. I simply want a lawful escrow impound on any future payment. Hopefully beginning XX/XX/XXXX. I was told by the last rep of Suntrust but for the double insurance coverage my XXXX would be approx {$750.00}, which was almost exactly what I was paying ante the inaccurate and unlawful escrow analysis. 
These are the facts. I assumed the loan from my parents XXXX and XXXX XXXX in XX/XX/XXXX, after making the payments myself from the inception of the loan in XX/XX/XXXX. In XX/XX/XXXX Suntrust collected {$860.00} ( {$7200.00} prorated monthly ) from XXXX Policy Number XXXX. As part of the assumption process Suntrust required that I obtain homeowners insurance in my name which I did through XXXX Policy number XXXX effective XX/XX/XXXX at XXXX XXXX  yearly ( prorated {$86.00} per month ). XXXX never cancelled the aforementioned policy XXXX, thus from XX/XX/XXXX until the XX/XX/XXXX policy was cancelled on XX/XX/XXXX according to Suntrust 's records I was paying two insurance policies from XXXX on the same policies which is both unlawful and legally impossible. The failure to cancel policy number XXXX caused Suntrust to blindly analyze that their would be a monthly {$52.00} escrow shortage. Suntrust acting in a manner contrary to law, decency, and common sense absolutely refuses to re-analyze the incorrect escrow impound. They have adopted the unlawful and anti-consumer position that I must send them any refund that I received from XXXX for double billing from XX/XX/XXXX until the first policy was cancelled on XX/XX/XXXX oe in spite of my explaining their mistake they would not re-analyze their escrow calculation. i am being treated unlawfully and bullied by Suntrust for reasons beyond my understanding

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 2017-09-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I applied for a reverse mortgage with LoanDepot. Initial loan asked was $ XXXX with a valuation of the property at $ XXXX. Later, when prompted by the agent, we checked the property estimate on XXXX and upped the estimated value to $ XXXX. I paid a {$420.00} appraisal fee and {$10.00} credit check fee. However, after the loan was tentatively approved and appraisal done, I was informed that the appraisal amount was indeed $ XXXX so the maximum I can loan is $ XXXX ( XXXX % ). I was then told the loan amount was less than the minimum loan amount LoanDepot was willing to lend ( $ XXXX ). This should have been communicated to me at the start of the process, not after fees are paid. I explored options with other lenders with lower limits and asked LoanDepot to transfer the appraisal to XXXX XXXX which LoanDepot refused. XXXX XXXX therefore had to order a new appraisal at additional cost to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
XXXX XXXX billed me for services not provided after having failed to diagnose what wrong with my minor child and myself. I took me two years of research, after meeting with XXXX to self-diagnose what was wrong me and my minor child. It was quite serious. I timely disputed the illegal billed with XXXX. XXXX, in a letter to me acknowledged the wrong-doing. During the disputed period, XXXX 's collection company report negative and derogatory information on my credit profile. 

I demand that these negative information be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is an awful, deceiving, rip-off, worst customer service company. 
they have me paying 12 % interest and will not refinance.
In addition, I have submitted 4 applications to remove co-signer and refuse to process application, being returned to me saying something or other is missing. Their customer service is incompetent and not able to resolve my request

Company response to consumer: Closed with explanation