vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
CFPB Complaint Number : XXXX This complaint is to World of Omni Toyota leasing my XXXX XXXX XXXX. 
Last year I claimed bankruptcy attended court on XX/XX/XXXX in XXXX XXXX XXXX Florida. The court discharged on XX/XX/XXXX. 
Per my attorney XXXX XXXX XXXX in XXXX XXXX Florida, they stated all credit cards which that was suppose to be the only thing I was discharging NOT my mortgage or car payment. However he stated all had to be included and monitored and after I will resume back my mortgage and car lease on my credit history. I have to state I never missed or was late paying my lease. 

After my discharge I noticed on XXXX XXXX which I get monthly to see how my credit score was. I checked in XXXX, XXXX. It was around XXXX or so and it looked as if my credit was going up a few points each month. However when I checked again XX/XX/XXXX my score dropped 60 points. I was confused and I called Toyota immediately and explained why did my score go down when I pay each month on time. They could not help me to answer the question. I later on looked at the XXXX XXXX and notice in RED that the amount of my lease was {$7200.00} appearing as it was put on my credit history as a loan and not INSTALLMENTS. 

I called Toyota several times to explain it was incorrectly submitted wrong and it made my credit utilization go up in which it caused my credit score to drop drastically. No matter what I said they were not able to help me or understand, maybe because I did understand why myself how to explain. 

I called again this year XXXX in XXXX XXXX to Toyota. After speaking to a friend that make it clear to state it was suppose to be installments not credit on my credit report. Toyota still were unable to help this situation to be fixed. 



Per my past history of years before my bankruptcy my credit report was good for many years however I was unable to continue due to sickness I had no choice to write off my credit cards have always paid on time on all my credit cards At this present time I do not have the exact dates that I called Toyota but I know they will remember this because I did call at least 5 times and I sounded familiar to them with this situation. If I need to get the dates of the actual calls I will have to go into the history of my XXXX cellphone and track the dates which is time consuming but if needed I will attempt to do so. 
Thank you very much on assistance to this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian lost lot of my credit data/account information/payment history, which cause my credit score very low. On comparison of three credit bureaus, I have XXXX open accounts on XXXX  and XXXX, but they are not shown on Experian report. In 2016, my credit report of Experian is normal, it had highest score among three credit bureaus. I called my banks, XXXX XXXX, XXXX XXXX ..., they said they send payment information to all three credit bureaus, including Experian every month. But my current account information are not shown on Experian credit report.

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 2020-04-14 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: NJ

Complaint narrative:
To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, Equifax and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 

1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached  letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections and Out hired by XXXX XXXX reported we broke our 3 month lease this is false information. We were forced to settle because we can not get a home with this information on credit. The lease was a three month lease and 30 days notice was given as requested by apartment manager I believe they falsified documents changing it to 60 days notice. We paid XXXX extra a month for a three month lease with exact move out given at time of lease signing. All three credit bureaus did not review entire case as the apartment did not report accurately. The apartment never gave us a damages move in checklist this is illegal under Kentucky Tenant Landlord Act The apartment was deplorable

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
This is in response to the XX/XX/XXXX complaint that i submitted with the consumer protection bureau. The company is stating that we were late however the fees do not add up. We submitted paperwork around XXXX or XXXX of XXXX with the loss mitigation hardship department as we were having a financial hardship at that time due to XXXX having XXXX prior that year and missed several days from work. However we did not qualify for the hardship program, Several documents were submitted to this company. We were finally able to get the money from a family member to catch up our mortgage around XX/XX/XXXX. I spoke with a customer service rep from loancare before making our payment. The rep advised that he would waive the late charge that occurred in XX/XX/XXXX in return for us catching up on our mortgage. Obviously this was not completed as the company is still trying to say that we owe {$170.00} in late charges. But no one can explain to us how. When i called and complained about the late charges on our account around XX/XX/XXXX, The rep stated that he didnt know exactly what dates the late charges were for. However he waived the XX/XX/XXXX late charge as a courtesy for us. He advised me to email their research department to research the late charges on the account. 

If the company charges {$59.00} for a late charge. And we were promised that two late charges would be waived. How does that equal {$170.00}. Two lates charges waived equals {$110.00}. That means we should only owe {$59.00} for a late charge. This company is always sending documents however when you call them to explain the documents they cant explain to how they come up with the numbers. We would like our account credited the other late charge that was promised to us in XX/XX/XXXX for catching up on our mortgage.

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 2020-04-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Account ending in XXXX with XXXX XXXX  was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by XXXX XXXX collecting department. 
I have disputed with Experian and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.

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 2020-04-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Refuse to follow Federal law : FCRA 605B ( 15 U.S.C. 1681c-2 ) The Fair Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- July 30, 2004 30 ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I made a payment on my Capital One credit card ending in ... XXXX on XX/XX/XXXX for the balance that was outstanding on my account {$940.00} -- bringing my balance due to {$0.00}. 

I normally get Capital One notifications that my payment posted and " thank you '' and new balance is now $ the new amount less the payment. 

I went online to verify payment had posted ok, after first being sure funds had been removed from my Credit Union checking account -- which was the case. 
I spoke to level one Customer Service and the Representative was not sure why my payment -- that had posted already with Capital One -- had not yet re-set my available credit. 

So that representative forwarded me to " XXXX '' who was higher up and with Payment Processing. While XXXX was very nice and 100 % professional, she could give not logical reason why my card was only showing a {$3.00} available limit. After looking further, she said their " system flagged my account '' because I paid a larger payment than I usually have done so in the past. 

I told her isn't that the payment behavior that you / Capital One appreciates the most? ( Cynical comment -- NO! Of course Capital One makes more profit on people who only pay interest payments. ) Regardless of the profit motives of the revolving credit industry -- it is outrageously bad service when a Consumer with a multi-year history makes a payment and the provider 's computer system puts the account on hold for 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Hello, One month ago ( XX/XX/2020 ) I purchased an android app of XXXX called XXXX. I paid {$600.00} for the app because the seller XXXX XXXX had financial proof on the XXXX listing that the app generated a net profit of XXXX XXXX/month over the course of the last 5 months. He also stated in his listing that he would share his marketing strategy he used to generate that kind of income. 
I went ahead and completed the purchase. He transferred the app to me along with his marketing strategy. I followed his strategy exactly as stated. It turns out that his income claims were all lies. It was a big fraud. He misrepresented on his XXXX listing. The app does not make any money! It made less than {$3.00} in one month following his strategy. I would have never paid {$600.00} for an app that makes less than {$3.00} per month! I tried contacting him several times regarding the income claims and he no longer replies because he knows he scammed me. 
I did further research and found out that many people who have purchased websites and apps on XXXX have been scammed also just like me but XXXX does not seem to care nor do anything about it. 

I then went ahead and filed a fraud dispute on Paypal which I used to pay for the app. The dispute was filed on XX/XX/XXXX. Paypal then denied my claim stating that the item received was as described even though i sent them the fraudulent revenue claims provided by the seller. I also contact XXXX who has not responded to my claim. 

i would like to get a full or partial refund for the purchase. This was clearly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Account ending in XXXX with Suntrust bank was settled in full for less and closed XX/XX/XXXX with a one time payment as per terms of settled and satisfied terms offered by Suntrust Banks collecting department. 
I have disputed with XXXX  and the account still shows a balance and account status as charged off. The account status should be settled and be followed with XXXX balance as account is now satisfied. 
I have also attached the terms of the agreement which was reached and satisfied on XX/XX/2020 with a one time payment of amount stated in letter.

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to open an account with Chase Bank a while back at that time they said the only thing that I qualified for was a Chase Liquid account which is a pre-paid account. I waited until I got my credit somewhat ok and tried online, at that time I was told that I needed to go in a branch, before I could make it to the branch I got a letter in the mail saying that they denied me because I have too many accounts. However I don't have any bad relationships with any of those banks.Then I received an offer to open a business account. I figured I can do my business account and have my personal at the same bank and close out one of  my other accounts. Not leaving a bad relationship just moving on. Well I was able to open my business account online. I was told I could open a personal but I needed to go to the branch so that's what I did, 2 days later they closed my account due to usual activity. The only thing I did was XXXX {$25.00} from one account to this one and set up my direct deposit from my job. They have no reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a checking account with Wells Fargo from which I make payments to all of my credit cards. When I have made the recent payment from my account that has a balance of XXXX, the payment for {$140.00} ( XX/XX/20 ) was returned and as a result, I was charged an additional fee of {$29.00} + {$140.00}. When I called Wells Fargo they transferred me 2 times, each time I had to wait 45 minutes. No real solution was found. I have requested for the card to be closed and money to be refunded to me, the representative refused.

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 2020-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phones numbers and names corrected on my report as this is a violation on my consumer protection rights.

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank continues to place irrational responses and their delayed behavior as an excuse my account never represents my available credit usage. I made a payment of {$500.00} and after the immediate withdrawal from my account which was confirmed by Representative XXXX from XXXX XXXX XXXX, Citibank claims the monies has yet to be confirmed etc. This is unacceptable. This is the 4th time Citibank has deployed this tactic not reflecting my actual balances and available credit. Please investigate immediately.

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