vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
This issue started on XX/XX/2019 when I first made an attempt to contact Toyota Financial Services ( TFS ). I grew to understand that Toyota Financial Services is a federally chartered bank and that they handle most of their own legal issues. I am trying to inform them about a issue with one of their loans that I am currently involved in. The vehicle that I am financing is reported as Frame Damage. The used vehicle disclosure wasn't presented to me as structural damaged at the time of purchase. I told TFS about the calls that I've made to the Federal Trade Commission and the Attorney General. They transferred me to the XXXX department because I mentioned it was purchased at a XXXX dealership. Who told me they couldn't do anything about the issue and that I should contact Toyota Financial for the matter. I grew frustrated at this time because instead of  connecting me to the correct department I was bounced around due to key words which they are using any reason to transfer to issue to someone else. 
Fast Forwarding to XX/XX/2019 I called again trying to result this matter. I asked to speak to a supervisor seeing that I wasn't able to get anywhere the day before. A supervisor came onto the phone and now I am repeating my complaint for the 4th time after being on hold and then hung up on previously. The supervisor to connect me to the Toyota Headquarters. I spoke to someone in the Customer Experience Center which then I was told again that I need to contact Toyota Financial Services because the Experience Center is unable to help or find any documents involving my contract. I am simply requesting someone to handle this breach of contact and speak to someone about the next steps. It is highly unfair to be treated this way. I currently am financing a vehicle which is deemed : unsafe to drive '' with a balance over 60,000. 

I would like to exercise my " Right to refuse a contact '' their contract has been breached due to selling a frame damaged vehicle unsafe to drive noted by XXXX XXXX of XXXX XXXX, CT after doing routing service. The original dealership XXXX XXXX XXXX in XXXX, New Jersey should be penalized for negligence forcing their hand at vehicle buyback and closing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a copy of my credit file and enclosed is an account list under XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts which do not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX/XXXX XXXX for {$18000.00} and XXXX XXXX XXXX for {$540.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within  that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: AR

Complaint narrative:
I applied for a auto loan from my bank via phone. I was asked by the loan officer to check my own credit score since she was having trouble with her computer. I was told that she uses " XXXX XXXX '' and that it would be free. I did as requested. 
Now when I check my online banking statement, I see that I was charged {$1.00} ( XX/XX/XXXX ) from " XXXX   XXXX for this credit check I am assuming. Then 4 days later ( on XX/XX/XXXX ) I also receive a charge for {$29.00} from the same vendor. 
When I did a search for this vendor I can see that there is a complaint board set up fot this same particular vendor. When I started researching some of these complaints I can see that this practice of unauthorized charging of bank accounts seems to be a common practice. 
I have called my bank and disputed these charges and cancelled my debit card and asked for a new one to be issued to stop this vendor from charging my account any further since from the other complaints that I have read seems to be the normal practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Consumer Portfolio is show a charge off on my report and that is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Bank : TD Credit card : TD CASH, VISA My interest Rate is at 25.24 % and I've been paying my bill on time for the past 6 months. I called in and was unable to get it lowered. Judging by my credit cart payments my creditworthiness should not fit into that third bracket of 25.24 % When I called customer support at XXXX XXXX XXXX XXXX. I was told that rate is based off of my creditworthiness, but my creditworthiness is good based off of my payments. They never told me what the Prime Rates for the card is so I was left with little help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello - I have been requesting MEHTOD OF VERIFICATION AND VALIDATION for account : XXXX XXXX XXXX from the credit agencies and they only continue to provide information stating the account was VERIFIED. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account is validated. 

Any automated response or XXXX verification is unacceptable. 


Please provide all names that provide this in, which entitled to me by LAW, so I have the correct information to place in this law suit. 

I have attached the responses from the credit agencies and the certified letters that were sent. Why do they do not have to comply with the LAW. It clearly stated what I'm requesting, they are only going by what the credit is stating and not proving. 

PLEASE INVESTIGATE THIS CREDIT AGENCIES ANDS SUE THEM AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I believe my daughter may have her identity jeopardized. I have received XXXX notifications regarding declination of services/credit but she is a minor. She did not authorize any agency nor requested any information from any agency regarding credit. 


Regards, 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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The XXXX.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$1300.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B :  XX/XX/1970

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2019 I submitted my first initial dispute due to incorrect and erroneous account information reflecting on my credit report. I asked the Bureau to provide me with THE ORIGINAL CONTRACTS on file between I and said creditor/s. The bureau responded to dispute as either verified or accurate, however they did not supply their Methods of Verification or the ORIGINAL CONTRACTS on file between I and said creditor/s. FCRA Act Section 611, gives you the right to request an explanation of the verification method used by the Credit Reporting Agency and this Agency has VIOLATED that right by not supplying any explanation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. However, they have not, and have broken the law. I DEMAND these accounts be REMOVED and DELETED.

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have an American Express Serve Card. Theres an unauthorized charge on account from XXXX for {$68.00} and {$1.00}. 
I have never heard of them and I attempted to locate them without success on the Internet. The Company was notified of the dispute and given a fraud affidavit on XX/XX/2019 and refuses to give me a provisional credit pending their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I am applying for the XXXX time to have my student loans discharged since 2015 based on my total and XXXX    XXXX. I am attaching my Social Security Administration Award letter as a qualifying document. My application was denied the 1st time because Nelnet claimed my doctor did not sign off on my application ( he did ) and because they needed clarification from my doctor. My XXXX XXXX XXXX  attempted to contact Nelnet several times but did not return calls. The 2nd time my application was denied because they needed additional information from Social Security Administration regarding the Benefits Planning Query ( BPQY ) I used as supporting documentation. This time I tried to contact Nelnet several times but to no avail. Now Nelnet is threatening to garnish my monthly XXXX payment by up to {$700.00}. That would leave me with as little as {$540.00} to survive on a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Over the course of the last 3 months, I have regularly called national credit systems in order to work with them on an account they have open in my name that is of questionable legal standing. There is current litigation pending against their client, and in spite of this, they still threatened to report the account as delinquent. Although i asked numerous times to get information about the credit reporting date and proposed settlements in writing, I was told by both agents and supervisors this is against their policy and they would move forward with reporting the account as delinquent whether or not the the dispute had been resolved. This seems like nothing more than harassment, especially since I told the agent multiple times that although I do not feel like the balance is legally owed, I would set up a payment plan to prevent reporting. I called on Monday, XXXX to set up a payment plan, and the associate was quite rude, and informed me that I was too late, it had already been reported, and there was nothing they could do. Called back on Tuesday and spoke with a supervisor who confirmed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: FL

Complaint narrative:
Synchrony bank advertised 1 year no interest using Synchrony bank. 
According to my experience it appears that this bank is using fraudulent methods to charge additional fees on the accounts. I purchased a mattress from " Mattress Firm '' with this promotion on about XX/XX/2018 and paid it in full to the bank timely. Basically they claim that the payment were not sent on time charging additional significant amount to the account. 
Luckily I had my suspicion from day 1 so I documented all communications and payments, I also used XXXX XXXX online banking for timely payment and to have the record of on time payments. 
Although my account was timely paid in full Synchrony bank still demands additional {$1800.00} from me, ( thats over the original amount agreed of {$2000.00} that was timely paid in full ). Furthermore my credit was reported as late dropping my credit score by about 100 points. 
I was talking to the bank supervisors numerous times just to go on a goose chase they ask me to fax them the proof then they never get back to me and when I call bake Im informed that they didnt receive the fax and I cant be connected to the same manager, when I tell them that I also have a proof that the fax was received by them, they ask me to fax the proof to them as well, again just to tell me later that they didnt receive that fax too. so for now I have a collections of proofs in my possession that I would be glade to forward to you if you. 
I also contacted Mattress Firm to make sure they are not involved at this alleged extortion, they assigned a representative name XXXX to try to help communicating with the bank and she spent over an hour yesterday on the phone with the bank and me witnessing the " game playing '' of Synchrony Bank. Finally she told me that she can't stay on the line because the bank would not allow a recorded line ( when they themselves record the line ). I guess they don't want the " goose chase '' they put me on be recorded. 
Thanks 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 monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
This was a medical debt covered by insurance and the provider did not file with our insurance policy within the 1 year allotted. This is from 2014 and being reported as if it happened recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$810.00} accounts which does not belong to me. So I am writing to exercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX ( XXXX XXXX Texas XXXX ) for {$540.00}, XXXX XXXX for {$18000.00} and XXXX XXXX for {$3100.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
I enrolled in a Debt Relief program with Freedom Debt Relief [ FDR ] in XX/XX/XXXXXX/XX/XXXX. I was told that it was better because they could better negotiate with creditors and often make deals with them. They, also, told me that it would help salvage my credit score that would normally take a great hit. This was important because I am in the XX/XX/XXXX and I can lose my job based on credit score. I made this clear to FDR. I agreed to pay $ XXXX month [ their estimate to settle the debts ]. They settled one of the debts in XX/XX/XXXX when I had accumulated {$3000.00} in my account. Having settled the account terms, FDR took {$2700.00} in fees upfront. They applied $ XXXX/mth to the settled account and take $ XXXX/month in fees. Having exhausted all the funds and applied the total amount toward the one account, there is no money to settle the other accounts. Now, I am told that I must pay more money in order for them to proceed with negotiations on the other accounts. In the meantime, my credit score has dropped from XXXX  to XXXX. It will continue to drop unless settlements are made. I discovered that one of the unsettled accounts, XXXX, DO NOT work with debt relief companies. I was not informed of this when I signed the agreement. Either FDR was not aware or they chose to withhold this information. I have difficulty believing that FDR was unaware that XXXX does not negotiate with debt relief companies as they told me they did large buyouts with them. I am, now, on my own to salvage my credit score and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: OK

Complaint narrative:
I have a situation. 

Apparently, student loans can be garnished without a court order. 

My wages are being garnished for a student loan that is either not mine or has an enormous amount of bad information. Wrong name wrong amount wrong interest rate XXXX in unexplained late charges. I believe the only piece of accurate information is my social security number. 

The company that is garnishing my wages sent me a letter saying I had 30 days to dispute the validity of the debt. I sent a certified letter disputing the validity of the debt. They wrote back a very strange letter that seemed to indicate that because my name was not the one on the garnishment I could not dispute the garnishment. I think this reasonably means they do not believe that I am the person named in the debt.

Company response to consumer: Closed with non-monetary relief