vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX for my job back in XXXX. Within 6 or 8 months, I was struggling to keep up with my notes and insurance. The vehicle was in mine and my grandmother 's name, she co-signed for me to get the vehicle. When I could no longer keep up with my notes, me and my grandmother both went up to the dealership to return the vehicle. They informed me that by doing that, I will not owe anything on the vehicle. We all signed papers, I left my vehicle at the dealership, and it was forgotten. 6 months later, I had a different vehicle. When I tried to put insurance on it, I was told I had a flag on my license for not having insurance on the XXXX XXXX XXXX XXXX, the vehicle I turned in 6 months ago. I immediately went to the dealership to resolve my issue, and they informed me that they shred all of their documents and they had no proof that I even turned in the vehicle, and I no longer had the paper either. Turns out, they kept my car in their parking lot for months before turning it over to the finance company, and I had no idea. I was eventually able to get the manager of Toyota to hand write me a letter saying that I willingly surrendered the car on a specific date in order to have the flag removed from my license. Recently, in XX/XX/XXXX I disputed this account on my XX/XX/XXXX credit report. They were unable to provide documentation to XX/XX/XXXX, and the account was removed by that bureau. It remains on my XX/XX/XXXX and XX/XX/XXXX reports, and it is preventing me from being able to do anything with my credit. I can't be approved for a mortgage or a new car loan. I need this account removed from my other reports as quickly as possible. The account number is XXXX from Toyota Motor Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: TX

Complaint narrative:
I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
We have received a lot of calls from a company called XXXX XXXX. They are claiming we owe them around {$80.00}. We have told them that if we owe you them please send us the information to back it up ( signed contract asking for a loan, credit card, or services ). This has been over the last 6-8 months. We still have not received any written communication. 
This morning I received an alert from my credit monitoring that XXXX XXXX shows we opened an account XXXX XXXX, and XXXX shows we have a collection account with XXXX XXXX as well. 
Any help is appreciated!

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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I just received a letter from XXXX XXXX at CITI. As far as I know I have never had a CITI bank card. They stated the amount was {$200.00} principal, {$160.00} interest and {$240.00} in fees for a total of {$610.00}. They want me to call XXXX XXXX XXXX. at XXXX, which I will not do. I see there was a lawsuit in 2016. 

Please advise. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: SD

Complaint narrative:
I got a call from this company on XX/XX/2018 and a text message on the same date and this company has told me that I will be served with papers and I have tried to tell them that I never received any paperwork in regards to the loan and that I have no phone # to get in touch with them unless they call me. I have received no emails in regards to getting any paperwork from them. They are making threats to garnish my wages and will not send me any paperwork. 
I also believe that this is the company that hacked into my bank account and stole money from both my savings and checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
i keep getting phone calls about my current debt i have none. I called them back when i missed and they claim a telemarketer hijacked their outbound line and are using it. they know nothing about calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I WAS CHARGED FROM THIS SAID COMPANY XXXX XXXX XXXX ON MY CITI CARD FOR {$14000.00} I ON XX/XX/17 I CALLED TO REPORT THIS WHEN I SAW THE CHARGE ON MY STATEMENTS AND THE CREDIT CARD CITI FILED A FRAUD COMPLAINT AND GAVE ME THE CREDIT BACK ONTO MY CARD FOR {$14000.00} BUT THEN THEY TOOK IT BACK AND SAID I HAD TO PAY FOR THIS CHARGE.. I CALLED THEM BACK AND TOLD THEM THIS WAS A FRAUD AND I HAD NO IDEA WHO THIS COMPANY WAS AND I NEVER AUTHORIZED THIS CHARGE AT ALL. THEY WERE SUPPOSE TO OPEN UP ANOTHER CLAIM BUT THEY NEVER DID SO NOW I AM CONTACTING YOU IN HOPES TO GET MY MONEY BACK THAT WAS TAKEN FROM ME WITHOUT AUTHORIZATION. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND ALSO DEALING WITH MY SICK HUSBAND WITH MEDICAL EXPENCES AND HE IS ALSO A XXXX XXXX. PLEASE HELP ME

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 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Our payments are due on the XXXX of each month. In XXXX the XXXX fell on a Sunday and Monday was a federal holiday ( XXXX XXXX ) so our payment was not posted until the XXXX. When we realized we were being charged a late fee of {$38.00} we spoke to the credit card company Synchrony Financial Care Credit and we were told the XXXX would be waived. So when we made our payment for XXXX, we made the regular amount of XXXX instead of the statement amount due which included the XXXX because we were told it had been waived. When we received our XXXX Statement the previous balance from XXXX was listed as XXXX which is what was listed on the XXXX Statement as new balance. However the new minimum payment for XXXX is now {$110.00} plus they added another late fee of XXXX which now makes out minimal payment for XXXX {$150.00}. Down in the transaction summary it does show they showed refund of the late fee on XX/XX/XXXX, but it does not reflect in their numbers. When I called I was told I had to pay the minimum payment of {$110.00} for the payments to go back to the original amount of XXXX. When I asked why I was told the statement has already been billed. I should not be required to pay the additional amount on the XXXX bill. If I pay the {$110.00} the next month the minimum would go back to its regular amount. But this is not fair to me I'm still being billed a fee in excess of the regular payment.

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 2018-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I am currently paying on a loan from XXXX XXXX XXXX. I had unexpected expense. I reached out to them for a loan to pay some bills. I did use them in the past and paid off under flex pay which loan amount was divided up in a few payments and paid off the loan. Since the time I have gotten the loan I have been struggling to pay it off due to enormous interest rate and the length of the loan. Loan amount {$600.00} interest rate 529.28 % which is illegal in Georgia ( GA ) total payoff if goes full 20 payments a {$2600.00}. This loan started XX/XX/XXXX according to my bank records, I was paying {$130.00} Simi annual. I didn't realized I pay them 8 payments 2 a month to date {$1000.00} $ for a {$600.00} which I over paid them {$460.00} I would like back the difference I over paid XXXX XXXX XXXX, and I would like paid in full as agreed. The other day I called and requested a copy of my contract they give me information on the loan. However, I didn't see my signature on the contract. I spoke to a women that work for XXXX XXXX XXXX and I was shock to see that I over paid them over XXXX dollars. I asked her that I should have been on there flex pay which in the past my payments was broken out for short time and it was paid back. She told me that they were not doing it anymore. I never received any information about it. I asked her to send me copy of the XXXXXXXX XXXX policy change. she said she would send it. I never received it just email copy of contract with the money stated that I browed. " In the state of Georgia payday lending is prohibited. In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).  Payday loans go under a title of small loans, generally ; the minimal amount is { {$3000.00} }, according to the 16-17-2 of the Georgia Code. Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of XXXX, this law authorizes misdemeanor charges against violators, as well as fines of up to { {$5000.00} } per violation and a possible jail sentence of 1 year ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
A collection just appeared on my credit file from this company ERC, not once have I been contacted I disputed this with the credit agencies as I never received verification, notice and it is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: SC

Complaint narrative:
XX/XX/XXXX Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX RE : Equifax Acct # XXXX XXXX XXXX Acct # XXXX Dear Sir/Madam,  I kindly ask your help in the following matter. I received an alert via XXXX XXXX. 

The following account XXXX is outdated and should no longer be reported the date of first delinquency on this account was XX/XX/XXXX. 
The following account # XXXX is in error of reporting and amounts owed. I have been paying this account at a XXXX payment center but it charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Yes I recieved a debt from XXXX XXXX which I have not been apart for atleast 10 years for XXXX dollars. I have recently been aware that someone may have stolen my identy and have already placed a credit hold on my credit report. I have already proven to one other debt collector that it was not me that took out a loan. I would like any records sent to me with account ending XXXX. So I can also prove this debit owed is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA

Complaint narrative:
Union Bank is operating a sneaky ruse to get people to open credit card accounts. They offered a balance transfer from a current credit card to a new credit card with their bank at 0 % interest for, I believe, 15 months. So I asked that XXXX of debt be transferred. Well, they didnt transfer any of my debt, but opened a credit card with a XXXX available credit. I wanted a balance transfer for XXXX or bust. Sure, they are now willing to close the account, but this opening and closing of a credit card is not good for my credit rating, and I resent them opening an account different from what I applied for. They didnt even transfer the XXXX available credit they awarded me. It was all just a ruse to get me to open a new credit card!

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 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN

Complaint narrative:
I'm a first time home buyer who just closed on her first home Friday, XX/XX/2018. Iberia Bank was the bank that handled my loan. 

On Monday, XX/XX/2018 I received a call from XXXX XXXX NMLS # XXXX, who handled my loan. He stated an error was made at the time of closing. I received my earnest money back ( {$500.00} ). He stated I wasn't suppose to received the money back and I had to pay the {$500.00} back immediately. When I questioned why, he mentioned something about the {$500.00} affecting a grant that was applied to my loan. After I explained to him that I didn't have {$500.00} immediately, he mentioned I had to XX/XX/XXXX to pay the {$500.00} ; along w/my first mortgage payment of {$790.00}.

I'm filing this complaint because I don't agree with what the loan officer is trying to do. I asked him to forward me the email from the individual stating I owe the {$500.00} back. I will forward a copy of the email as well as a copy of my Closing Disclosure 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 2018-07-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recognized that XXXX XXXX submitted unauthorized inquiries my credit for finance 16 times on XX/XX/2018. 

Chase Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger. 
I spoke with XXXX on three occasions and asked that XXXX XXXX remove the inquiries. 
I Contacted Chase Auto finance. 
They refused. 
It was very unfair that they did that. It lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Presto Auto Loans, Inc.
State: AZ

Complaint narrative:
Presto Auto Loans is reporting a title loan to my credit report, I did not authorize the company to report this to my credit. The information reported is incorrect and I have requested multiple times for this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Hello yes i my week of XX/XX/2018 started off with nothing but i don't knows and incompetence. The large bank know as BB & T did nothing to help or assist the consumer after a direct lie. This lie is costing the start up company thousands of dollars and the bank does not care it could possibly cripple the company. The bank manager was not helpful at the location XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX after i informed her that her employees lied and she was also one that assisted in the set up of my account. I want the employees and the manager to be held accountable for all the charges i incurred for charge backs on the accounts as well as the fees i paid for my merchant services and the funds to be released from my account. Secondly i need to be compensated for my time so the total amount liable to bb & t should be {$3500.00} minus the released funds. 
The issue at hand i explained to BB & T as i set up an account for business banking that i would be processing checks through a third party that would be deposited in the account. I was informed of a specific account that would manage all of my needs. I was excited at the time to make BB & T my main bank. So as i transferred my account over to the bank i find out everything i was told was a lie! The bank then just gave me a bunch of i don't know 's and sorry we cant help you and then they said they will close my account! no one accepted responsibility for their actions that will cost a new small company thousands of dollars not even to consider clients that might cancel due to the terrible customer service of the bank. I have consumers that were charged fees and over draft charges from their accounts due to the delay of the bank.

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 2018-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
We are selling a property and have been under contract for over two months with buyers who were using XXXX XXXX at SunTrust Mortgage in XXXX, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close yesterday and told we would be closing this morning and now the loan officer and all parties involved in the transaction have stopped responding to the buyers agent and we have had to rush to contact a different lender. This loan officer, as well as everyone else in the mortgage department, needs to be held accountable and both sides feel as though we have no recourse in this matter.

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 2018-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Certified Letter sent to collection XX/XX/2018 to ask for verification.. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to agency on XX/XX/2018. Company is still not providing me with a signed copy of the contract with XXXX XXXX debt. equi verification that is in compliance with the fair credit reporting act and must be deleted from my credit file Still no resolution and it is XX/XX/2018.

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