vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
It has come to my attention that Toyota FInancial Sevices has violated many Federal Laws and Policies throughout the past year. I have brought them to there attention and the CFPB as well as the FTC last year and continue to do so. Toyota Financial has even removed there account from my Consumer Report due to the various violations that I have sited in the past but has failed to conduct themselves in honor. They have continued to send me various billing errors and harras me as well with phone calls about alleged debt. 

First off I was charged a finance fee/down payment for the XXXX  XXXX XXXX  XXXX of XXXX which was the value that they gave my other car that was worth XXXX at the time. Persuant to 15 U.S.C. 1605 ( a ) the finance charge is the sum of all charges.Included in this charge was to be all insurances, services and maintenance charges. 

Not only was I not told how they even came up with my charges and fees, violation of 15 U.S.C. 1632 Annual Percentage Rate, but they then didnt give me any of the required by law notices that they where supposed to. 12 CFR 1026 ( 2 ) ( a ) ( 11 ) ( 2 ) and 15 U.S.C. 1635 Rescission Rules state Toyota Financial was suppose to give me documentation about these rights within 3 days, one copy by mail and one by email which was never done.

Due to Toyota Financial 's brazzen behavior towards the violations that they continue to mock through 15 U.S.C. 1692 ( a ) and ( c ) Communication in collection of a Debt and 15 U.S.C. 1692 ( e ) False and Misleading, I am requesting the following remedy : Furnished Clean Title with my name as lien holder along with the full remaining balance of the vehicle in question of {$32000.00} along with the years worth of the car note {$8200.00} as well as the $ 5K used as down payment. I could go on with the violations due to it being a long year back and forth with them but I think you will get the point. Lastly i want to make it very clear that I DO NOT WANT TO RESCIND the entire contract ONLY THE TRANSACTION. Thank you and please let me know if you need anything further from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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:
I sent many disputes to TransUnion many attempts to get them to Validate old closed accounts on my credit report they failed to do so. Also I requested copies of original contracts between me and then accounts on my report they failed to do its been going on 2 years and they still have not sent me any proof of validation of any closed account debt on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
Yes my name is XXXX XXXX and I would like to submit a complaint against chime. As of XX/XX/XXXX I had roughly XXXX in my chime spending account. I had been with the bank for over a year but it hasn't come without costs. As of XX/XX/2021 I had XXXX supposedly. 8 days is all it took for my account to be wiped out basically from unauthorized transaction and activity on my account which I had noticed before and tried reaching out to chime several times whenever my money would just disappear from the running balance. They would deny my claim and wouldn't return my funding or even look into it I feel. I have done my part and notified them immediately of this and they have not honored their liscene with Visa and their zero liability promise as I haven't heard anything about my disputes. Furthermore, you can not reach a live customer service representative only email them that's all. I would like to know why I did everything I was supposed to and my bank didn't look out for me as the consumer and didn't listen whenever I communicated with them my concerns. And if Visa is saying zero liability then someone must be getting that reimbursement because it isn't the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX This is XXXX XXXX. After trying to apply for loan to take back my residence from XXXX endowments that lured and defrauded my husband to revers mortgage. I cald XXXX  they said dont even bother to apply. Then I complaint to you apparently they decided to take my application the after making me going through 10 days of paperworks even though I have told them I dont have credit score not a good one or a bad one they deny my application due to lack of credit score. Without declaring to me my XXXX $ saving is non interest baring. And now I am getting stupid add to play stock market with XXXX XXXX. What is going on in this place. I am loosing my home because you let XXXX solicit and defraud my husband. Triple tax us then Wells Fargo discriminate us. Then XXXX  my husband and inflict emotional and psychological pain accuse me threaten me refuse my government Id my poa and my passport. Cause us to close our account which caused us financial damages. Now XXXX  doing the same. What is with fraudulent and vicious cycle of abuse and fraud that you dont let me breakthrough I dont know who to turn to why dont you call XXXX endowment with XXXX in their piracy chest to leave me alone. They are at it again they over appraising my residence and trying to defraud me same as my late husband. 
From other front XXXX  deny me loan offering me bogus application to cover their XXXX  XXXX And making. I need some one to tell these thieves I am a woman and a widow trying to stay in my house. And I have to borrow 10 % rate from loan sharks to give to endowments that you bail out and defrauded us once now inflate the price on my residence to defraud me twice while chase and Wells Fargo that again you bail out. Can enjoy skimming my accounts. What is going on. I know they think they are untouchable.No one gives a XXXX about a young widow. But for respect and sake of female members of your family Someone help me i need access to finance stop skimming my account or try to steal my Property. I need national rate financing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
In Mid XXXX of this year I opened an account with Coinbase. Being new to their site I went through the steps of practicing a withdrawal from my vault to my wallet. The withdrawal was cancelled on XX/XX/22 and I have the emails showing the cancellation. Now Im trying to send to my wallet and it states a withdrawal is in progress but thats not the case. I have reached out to Coinbase through multiple occasions and followed their steps. After replying that did not fix the issue, they send me the same generic instructions which has yet to resolve the issue. Im not able to access my money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
This is in response to your Complaint ID XXXX. 
1. The attached XXXX letter by Ms. XXXX clearly states that XXXX refunded {$990.00}, but Barclays bank never gave me that money. 
2. XXXX refunded this money, even though their policy states that refunds are not allowed. This took a lot of fact finding and discussion with other employees and the Manager, Ms. XXXX. I talked with XXXX, as Barclays bank had requested me do so. 
3. however, Barclays either pocketed or refunded my money fraudulently and without considering my points to XXXX XXXX 
4. As requested by you, I talked with Ms. XXXX XXXX, Office of the President-Barclays . However, she could not explain, as to why Barclays did not refund my money. Unless Ms. XXXX can prove that Ms. XXXX is XXXX, it stands to logic that I should get my money back. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: U.S. BANCORP
State: IL

Complaint narrative:
I have contacted the credit bureaus and US BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

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 2021-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted the credit bureaus and FIFTH THIRD BANK, NA to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-11 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: IL

Complaint narrative:
I have contacted the credit bureaus and XXXX BANK XXXX XXXX to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: PNC Bank N.A.
State: IL

Complaint narrative:
I have contacted the credit bureaus and PNC BANK to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: IL

Complaint narrative:
I have contacted the credit bureaus and XXXX XXXX  to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: IL

Complaint narrative:
I have contacted the credit bureaus and XXXX XXXX XXXX, XXXX  to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
On or around XX/XX/XXXX I started to receive harassing phone calls and letters from numerous credit card collection agencies about a dozen or more credit cards that were illegally opened in my name starting back in XXXX thru XXXX. I disputed all of them thru XXXX, XXXX, and XXXX and all but Discover Bank have investigated and confirmed that it was a true case of Identity Theft and removed them from my credit report. All except for Discover Bank. I continue to get hauled into court beginning in XXXX and the case continues to drag on and cause me medical issues. There is no stopping these people and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Received phone call several months ago from a rude representative that argued and refused to let me talk. They gave me several addresses that I never lived at in an attempt to verify the debt. This debt was from a XXXX credit account. I settled the debt with the original creditor shortly before they purchased the debt from XXXX XXXX  I had no account number for their internal records so I emailed their compliance officer in XXXX and provided a copy of my bank statement showing where I paid XXXX  for this account and the settlement account. Not only did they proceed in attempting to collect, they placed this account as a collection on my credit. Numerous disputes with them and the credit bureaus have yielded no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I want to file a complaint against Southeast Toyota Finance is an operating division of World Omni Financial Corp . 
Account number XXXX, southeast Toyota financial is charging me late fees, on XX/XX/XXXX XXXX when and reality I made two credit card payments on XX/XX/XXXX 
They did not post my payments on my account, both payments are posted to at principal and not to balance when I made does payments I clear said one goes to principal other to regular payment. 
But in my opinion it does matter is other way to rip off people like many other This malpractices business must be stopped by the government in charge since is not only me there are many people suffering this late fees charges and other abuses from this bank World Omni Financial Corp . 
Is impossible to reach customer service and resolve the problem with them no matter how much information or proofs of payments from the bank you give them, they only want to charge late fees as much a possible to as many people they can, We are tired of see these answering over and over the same thing without resolving anything. 
Today XX/XX/XXXX did another payment of {$250.00} that include late fees when last month I did two payments of {$210.00} Anyway, like always nothing will happen and the best way to go is to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Statement ending XX/XX/XXXX shows my promo balances. The one I am addressing is the no interest if PIF by XX/XX/XXXX. I called in XXXX and made a payment with an agent. She told me with the other purchase on there, I had to pay the MINIMUM MONTHLY DUE and then ANY thing OVER the minimum I could request but applied to the promo that expires in XXXX. So XX/XX/XXXX I had made the minimum {$250.00} payment. I called in and made a {$200.00} pmt XXXX ( same statement period, no pmt was due ) and was told it would come off of my promo balance with the expiration which it did leaving {$250.00} to pay on that promo. On XX/XX/XXXX I made the standard minimum due per statement of {$250.00}. On XX/XX/XXXX i called in to pay off the pro balance of {$220.00} and paid that ( totaling {$480.00} in payments in 24 hours ) I was assured this would clear out that balance on the promo leaving only the big balance left. However it was not. This was {$940.00} in payments over XXXX cycles. After the XXXX minimums of {$250.00} were applied the {$420.00} was to be applied and PAY OFF the promo balance expiring in XX/XX/XXXX. So please tell me why this wasnt done. I did EXACTLY as your company told me and it had been correctly applied the month before. I need this fixed immediately reflecting the promo balance with no interest if paid being PIF. Ive contacted them no less than 4x.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made XXXX purchases on XX/XX/21 at Lowe 's store while in Ohio from Florida. I went online to pay bills on XX/XX/21 and to my disbelief I was shown 4 days late on my payment. I called Lowe 's ( Synchrony Bank ) and talked with a rep who said their billing cycle is on the 7th of the month and therefore I was late. However, after discussion, the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus. Even with that, I thought I should have 30 days from the date of purchase before a payment is due. According to their standards, if I make a XXXX purchase on the XXXX a payment becomes due the following day. 
I have many credit cards and several through Synchrony and have never been late on any payment in over 15 years.

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 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I Have an account in Coinbase with XXXX XXXX XXXX. Since 2 months I cant sell, transfer or buy cripto currencies because the account is under revision. I Have tried to speak with coinbase and its impossible, no answer. Calls, email... but no solutions. 

I would like to send my cripto currency. 

Thanks

Company response to consumer: Closed with monetary relief