vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am writing in reference to a car I purchased back on XX/XX/2011, financing done by Toyota Financial Services, XXXX TX. I voluntarily called and gave the car back because it was impossible for me to continue with the payments and fixing of the many problems that car had since the moment I bought it. I tried to return it using the Lemon Law but because the car had more than 8000 miles at the time I bought it didnt applied. After the warranty expired I had to go to XXXX XXXX and XXXX XXXX to have additional repairs done. I was told by this company that the amount of the repairs was going to exceed the first estimated I was given by them. At that time I had no choice but to call the financial company and request to have the car pick up at the body shop and have it voluntarily surrender by me. 
I had to keep making the payments of my loan as you can see in the documents that I am attaching and just three months after I finished the last payment because I couldnt keep making them the same body shop took over the car as you can see in the Tag records that I am also attaching. The car since then had had many other owners ; proving that I dont owe the total amount, first because I made payments, and second because it was sold several times after it was repossessed. 
I have call several times the financial company, my calls have been escalated to higher levels with no results, they can not find a bill of sale, my payments or anything related to what they have done with this car after me. This has been going on for years. This financial company put on my credit the full amount plus repo expenses and the same it is happening with a XXXX XXXX  that I had just received. 
LAST YEAR I RECEIVED A CERTIFICATE OF TITLE ON MY NAME AS IF MY LOAN WAS PAID OFF AND I HAD A CLEAR TITLE OVER THE CAR. I CAN ACTUALLY PROCEED TO FIND THE CAR AND HAVE IT IN MY POSSESION ACCORDING TO THIS CLEAN CERTIFICATE OF TITLE EVENTHOUGH THE CAR HAS A CURRENT OWNER THAT MAY BE FINANCING OR IS ALSO HAVING AN ADDITIONAL CLEAN TITLE. 
This is my last attempt to have this matter resolved. This matter is costing me money, time off my work, stress to unimaginable levels because now the matter is with the IRS and I am not willing to pay taxes in an amount that is not correct just due to many clerical errors done by the XXXX XXXX XXXX. When it was on collection I tried to have the amount corrected to be able to make the payments and they couldnt have it fixed either. 

Your cooperation in this matter is very much appreciated since time is of the essence because my time it is limited to have this matter resolved with the IRS and again I refused to pay for errors made on your end. I am willing to do whatever it takes to have this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion continues to report account items as included in a bankruptcy that what deleted as inaccurate from my credit file in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

The items are below : ACCOUNTS XXXX XXXX XXXX  XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file

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 2018-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
loans serviced by XXXX XXXX. I was mislead by customer sevice more than once re : available options for consolidation and refinancing. told it was a bad idea to consolidate. not informed re : forgiveness options for working as a registered nurse. as a result I could only afford to make interest payments and was not given proper information until loans taken over by Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
My mortgage holder ( XXXX, my loan number is " XXXX '' ) has incorrectly calculated my escrow analysis for the year 2018, resulting in an increase to my mortgage payment of roughly XXXX {$500.00} per month ( see below for additional details on this ). I have been working with them to try to get the analysis redone correctly since XX/XX/2018, I been repeatedly told by 2 separate representatives that the escrow account would be reanalyzed and the escrow payment would be lowered to the correct amount within 2 weeks ; it has now been 7 weeks since I first contacted them about this and they have made no attempt to fix the problem.

There are only 3 payments made from my escrow account annually ( these amounts are based on actual dollar amounts paid this year/last year, no major increases are expected on any of these values ) : School Taxes - {$3700.00} City Taxes - {$1900.00} Homeowners Insurance - {$660.00} -- -- Total paid out of escrow annually - {$6300.00} My monthly mortgage payment as of XX/XX/2018 went from {$1500.00} up to {$2100.00} following XXXX 's annual escrow analysis, of the new amount, {$1000.00} is going toward escrow. This results in {$12000.00} being added to my escrow account annually ( more than double what is needed to pay my taxes and insurance ). 

At no point has my escrow account ever gone into a negative balance or been unable to fund my tax and insurance expenses. Both representatives that I've spoken to at XXXX have acknowledged that the escrow was calculated incorrectly, but no attempt has been made on their part to fix the error, and I am left paying an extra ~ {$500.00} per month into an already bloated escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The purpose of this letter to lodge a complaint against Citibank. The end of XX/XX/XXXX, I called the credit card company to verify if I was eligible for a credit card promotion. You receive XXXX XXXX air miles points if you spend {$3000.00} dollars within the first 3 months of opening a new card. You are not eligible if you open or close a card within the last 24 months, hence the reason I called customer service to verify if I was eligible. I had made this mistake 2 years prior, when they changed the policy from an 18 month to a 24 month waiting period to qualify without my knowledge. I didn't receive the XXXX bonus miles, although I spent the required XXXX dollars. I try to learn from my mistakes so I wanted to make sure I qualified this time and that I indeed had gone past the two year waiting period. The woman at Citibank 's customer service office confirmed that I had, so I applied for a new card which I received in the beginning of XXXX. 
By the end of XX/XX/XXXX, I had spent the required XXXX XXXX dollars. I checked my account and noticed the XXXX points had not been posted to my airline miles account with XXXX XXXX. I called to find out why and was told I wasn't getting XXXX points because the customer service person I spoke to in XXXX had apparently made a mistake. I was shocked. I feel like I have been duped into spending a lot of money for nothing. I asked to speak to a supervisor and then a manager both times told it's unfortunate but they can't do anything to rectify the situation. I demanded to speak to someone else and they said they would have another higher up manager call me from the review department. That was supposed to be within 24-48 hours. They never called. 
I do not feel I should be paying for their mistake, especially when I made sure this time I was doing everything correctly and was told I qualified. If I had been told the correct information I simply would have waited until I was qualified to open a new card. I was denied that option with the wrong information. Now I have to wait another 2 years ( a total of 4 ) to qualify for a new bonus program. We are talking about points not currency. In lieu of good customer service, they should own up to their mistake and award me with the XXXX points I deserve.

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 2018-03-17 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: WA

Complaint narrative:
Citi Card is charging me {$670.00} for a charge that was fraud. They claim I received goods. I did not. 
XXXX tracking data shows the package was refused, and returned to sender. 
Citi security dept says they can do nothing. 

New card issued XX/XX/XXXX charge back on bill XX/XX/XXXX, now charging interest.

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 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have repeatedly asked lexisnexis not only to verify the accuracy of the bankruptcy on my file but as is my right I requested the method of verification ie how the accuracy of this item was sourced ... To this they have not provided this information. 

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.

( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. 

Please provide the information we requested ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
The XXXX Credit Card services offered by XXXX XXXX is taking too long to post payments to my account. I made electronic payment to the account on XX/XX/XXXX and it cleared same day. As of XX/XX/XXXX, the payment was still not cleared. The account manager informed me that the payment would not clear until after XX/XX/XXXX as it takes this long for XXXX XXXX  to verify the payment. This seems too long

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 2018-03-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I was approved for a loan modification which I was thrilled with and could easily afford, My husband was incarcerated which left me alone to pay my bills by myself. When I got the papers to sign that I accepted the modification they wanted it notarized, which I did. I sent them back and they said they weren't done right!!! I asked for another form to sign and they NEVER sent it to me., Finally I got someone on the phone who actually knew what they were talking about and faxed the papers to me.. I signed them and faxed right back within minutes and they refused it because I forgot to put the date on the paper!!!!! 
They have done nothing but cause me stress throughout this process. No one gives you the same answer and I have had nothing but a run around with them for over a YEAR!!! 
I have also been hung up on by the reps and refused to be transferred to a supervisor. Is this good customer service???? The ones that knew their job were very good and talked to me in a professional way. 
So bottom line is that because I didn't date the acceptance but did sign it, they are making me do this all over again, Nothing is straight forward with SPS and they set you up for failure. They have all my details from before and put me thru XXXX again ... ..just for a date????? I never asked for them to be my mortgage company..they were assigned to me thru XXXX who was very easy to deal with and I got the same person all the time who helped me tremendously when needed. SPS has very poor reviews and lots of them., Now I can see why.,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX I C System To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between I C System and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely Name

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 2018-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AL

Complaint narrative:
XXXX XXXX failed to pay my homeowners insurance which was due XX/XX/2018. On that same date they sent a letter threatening to buy more  expensive insurance for me if I couldnt immediately provide evidence of insurance. 
I confirmed that the money for the payment was withdrawn from escrow by looking at my mortgage payment history on-line. I confirmed with the insurance company that they had not received payment. I paid for the insurance myself and provided evidence of insurance to Cardinal. The evidence of insurance was confirmed to be adequate for Cardinals purposes by a Cardinal customer support representative.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 2018-03-17 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: Mercedes Benz Financial Services
State: TN

Complaint narrative:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I applied and was granted an income based repayment plan. At the start of the plan, was told I had to pay an amount to cover late payment charges, which were erroneous, but nonetheless I paid the amount requested. Since that time they have continually requested I pay the amount for the charges over and over. I was told the first payment was applied incorrectly but this would be rectified. It never was applied in the appropriate manner. I have talked to several customer service representatives, written many emails and letters to get this matter resolved. Now they have changed their online payment program to where I will once again have to pay the amount that they are saying is for late payments, which I never had a late payment, I had been in forbearance or deferment. There is no way to pay my income based repayment amount. Of course they are closed when I am able to call them. This is ridiculous and fraudulent at this point. This has been going on for 3 years at least.

Company response to consumer: Closed with explanation