vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Purchased a car from XXXX of XXXX on XX/XX/XXXX and the finance manager stated the only way to get the loan was to buy the extended warranty but that I could cancel it the next day for a refund. Tried the next day all the way through XX/XX/XXXX - XXXX kept saying the cancellation had been processed many times and finally she gave me a number to call after 18 months and the people there stated that XXXX dealer had the money and they were the ones to issue the refund. 
Called XXXX XXXX and she stated that the warranty could NOT be cancelled after lying and deceiving for 18 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. 
First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong  account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. 
I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest,  and repair costs {$210.00}. 

Enclosed /Copies :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX we contacted Arvest regarding options for home loan modification or options as we qualify according to our lender. When I called Arvest to get information they said We do not let anyone speak to the people that handle this. Terrible policy especially when you are needing to know your options. 
They then tell us to fill out paperwork for hardship assistance but it isnt available and must be mailed. 
We call back 3 weeks later as it was never mailed. We have informed delivery from the post office and can prove it was never mailed. I spent another 30 minutes and they said they would mail it. It never arrived. Instead they sent us a small loan application. Then we call again and request the application. No letter. This time we get a letter to remove authorization of a user. Still no application. Finally, today we get more mail from Arvest but not the hardship letter. So 3 letters from Arvest have arrived in the time 0 letters regarding our hardship. Closing in on 6 weeks they have delayed our options costing us now 1 mortgage payment and another as the process will be delayed. 
We qualify for hardship assistance from our lender but Arvest the services refuses to do their duties. Theyve failed to do their due diligence acting as servicer, delayed paperwork critical to our mortgage, have policy that is anti-consumer by refusing to let you speak to someone regarding options and are misrepresenting facts regarding the mailing of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.

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 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Every transaction for the CitiBank issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet CitiBank was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX sent an initial message to the Head of Customer Service and received a response that was an outright lie that his account number could not be located. XXXX XXXX sent a second message noting the applicable illegalities with the only " legal '' option being account closure with any further contact being illegal. The communication of only ( 2 ) messages is easily retrievable. CitiBank called ( 3 ) times within only 5.5 hours on XX/XX/2018. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. Apparently, the majority of financial institutions engage in incessantly intrusive and harassing activity for personal enrichment.

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 2018-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I learned that XXXX XXXX American Express had reported that I was 60 days late on a {$9.00} charge I made to that card on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXXXXXX XXXX credit department ... .and after several calls was told I needed to call back the next day and talk to a Credit Consumer Specialist. On XX/XX/XXXX, after two calls, I finally was able to speak to a Specialist. We went over the charge. We went over the fact that I had signed up for on-line statements and bill pay : And, that I never received any emails for this {$9.00} charge. And, that the only email re a statement due came on XX/XX/XXXX, the day after I had charged {$60.00} plus dollars on that same card at my local XXXX XXXX. I was travelling on the XXXX. Went on to XXXX 's on-line bill website on XX/XX/XXXX to pay my bill. It said I owed $ 77ish dollars. My bank account is right on the website as a link to pay. And, I authorized payment. Nothing was said that I was deliquent or had any late pay issues. I only found that out by my credit monitoring company sending an email stating the same and calling me on XX/XX/XXXX to figure out why this happened. All this was explained to the Credit Consumer Specialist. She didn't care. She couldn't/would n't remove the deliquency notice. And, when she asked if I wanted to dispute the matter ... ... She read me a legal notice that was quite threatening and intimidating ... .and not fully disclosing or accurately disclosing what would happen if I did dispute the matter. The legal notice she read me said that if you dispute the matter, you will be denied a mortgage or a loan by a lender until the dispute is removed or resolved. At no time, did she tell me that a dispute is resolved in 30 days. That I found up by calling XXXX   ... .and filing the dispute directly with them. XXXX XXXX Specialist also failed to disclose that a deliquent account stays on your credit report for 7 years ... unless cleared out by filing a dispute. When I raised the fact that XXXXXXXX XXXX legal disclosure was threatening, the Specialist did everything she could to continue the threat of financial consequences should I file a dispute. XXXXXXXX XXXX needs to revise their legal disclosure and retrain their Specialists so that a consumer is fully informed of how the dispute process works, that it is quickly resolved in 30 days, and if its resolved in the consumer 's favor ... .their credit score will be restored to its former glory ... .rather than threatening no ability to obtain loans or credit cards in the future should you file a dispute.

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 2018-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion file # date issued has showing on my credit report XXXX XXXX XXXX   XXXX Account # XXXX showing on page 5 of 13 and should not be on my credit report as stated by Item will be removed XX/XX/18

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 2018-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I sent a XXXX payment to these people on XX/XX/2018. For my XXXX mortgage. It was cashed by them on XX/XX/2018. And they are saying they never received it. I sent proof of the payment by sending a copy of the check and a copy of my bank statement from XXXX. They are saying they never received it

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 2018-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
Harmon Law PC has been sent a demand/automatic stay letter for 940 CMR sub section 7.08 and affidavit of automatic stay, both have been ignored. Harmon Law on behalf of XXXX XXXX XXXX XXXX XXXX not only has ignored these rules etc.. but also has gone ahead with putting notice of land court active military test in the local newspaper stating that their client XXXX XXXX XXXX XXXX XXXX has taken possession through assignment which again has not been proven.See attached which has been sent to Harmon in a XX/XX/2018 and ignored after sending me a letter stating that this process in on Hold. this is an illegal foreclosure whereas Harmon Law is proceeding without legal process. Both were sent via certified mail mail number is on top of the attachment letter. As you can see in the letter from Harmon Law PC dated XX/XX/2018 they in writing stated to " HOLD '' until this is met and have NOT!! I am requesting the CFPB do their jobs and hold Harmon Law accountable in keeping the laws and not breaking them as they are doing here. This is an illegal attempt!! Please see my evidences attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Good afternoon, My name is XXXX XXXX, and my complaint is about XXXX XXXX in regards of a credit card that i had with matress firm. I was offered a credit line of {$3000.00} upon purchasing the matress. First thing i never received the physical, i had to call them to make first payment over the phone, after the payment was made i requested that i received a card and still up to today no card.I created an account online so my payment could be made since i realize i would never received the card from them. I had miss one payment, which was late. But the following month i quickly got some money and paid in full the full balance which was {$1600.00} if i am not mistaken. Because of the late payment, my credit score drop  which i understand and was also my fault due to my financial situation, i still had my hope because i knew once i paid them in full it would go back up. On XX/XX/XXXX, i received an email from credit karma notifying me that the account close and for me to follow up if it was not done by me. I immediately call synchrony in regards of the matter and the representative could not tell me much beside that yes they could that. Now my credit score is extremely low, i was not notified prior, no phone call, email, or letter. I received a letter on XX/XX/XXXX in regards of the matter. Please help me if you and so this doesnt happen to someone else. 
PS. i do not have the full card number but it end with XXXX Best regards and thank you.

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 2018-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is in response to my initial complaint XXXX regarding mortgage discrimination by Chase. Despite writing to the executive board, nothing was done other than get some random person to call me and say they received my complaint. Nothing was done and they still refused my loan. No review of their practices of discrimination, no accountability, not even the bare minimum of refunding the charge they made for conducting an appraisal. 
The bank lied to the CFPB when they said they were looking into the matter. Loan manager XXXX called me two weeks ago and said they could not honor the loan terms they provided me in writing. They are still demanding 18 months of reserves despite other big banks and credit unions confirming that 6 months was the industry norm for someone with my credit score and financial situation. 
I have a document from them with loan disclosures they have agreed to but now refuse to provide. Nothing has changed in my financial situation. Why do banks get to behave like XXXX with no accountability?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live. Also I asked the Bankruptcy to be removed stating that the FCRA states UP TO 10 years not the entire or exact 10 years it has to stay on my credit reports. It has been 9 years and 8 months. I'm a XXXX veteran and I suffer from XXXX and this is very bothersome for me at this time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX has a balance of {$930.00} dollars showing and I paid them off in XX/XX/2018 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
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Went to Free Annual Credit Report to get my XXXX  report. Once I had the report, no issues there, I tried to use the link in the page to purchase my Credit score. The site would not accept any of my credit cards and after a 3rd attempt provided a pop-up window with a phone number to get the issue resolved. 

I called the provided number and ended up speaking to a CSR who would not listen to what I was actually telling him. He then told me he needed to collect more information and only after he had the information did he tell me he was building a profile with Experian! Now, He didn't ask if I wanted to do this, I thought he was going through a verification process. Why he would need to build a profile to provide the credit score material that I was asking for was beyond me. Finally, thirty minutes later, he asked me to try to do exactly what I had done to be directed to him in the first place. I tried and it still wouldn't work. As soon as I clicked the link it took me straight back to the phone number I had called to get in touch with them in the first place. Didn't even try to go to a place where I could re-enter my credit card information. So he tell me I have to call another number, XXXX and that is all he can do for me. I ask for a supervisor. 

After another 20 minutes I finally get to a supervisor and get the same runaround. He tells me that the only way to get my score is to buy the credit report and score combo for {$14.00}. I say, no, I already have the credit report I just need the score. Much more XXXX   about that product not being available. If it isn't your product then why would you collect my information? If it isn't your product why would the EXPERIAN site have the pop-up phone number for this supposed help line? No answer. I give up in frustration and decide to call the other number they gave me. Disconnected or not in service. So they won't help and they deliberately direct me to a number that is not in service.I even asked them to just sell me the product I was looking for and they wouldn't do it. Now I have nothing but a lot of wasted time. Completely useless and these are the people that are supposed to be trusted to collect and provide accurate information for 320 million American 's to keep our financial systems running strong?

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 2018-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Trident Asset Management, L.L.C.
State: WI

Complaint narrative:
I had a bancruptcy discharged XX/XX/18. I am now receiving collection letters and call from Trident Asset Management listing owner of debt as XXXX XXXX XXXX for {$370.00}, a debt that was discharged. XXXX XXXX XXXX sole this debt AFTER the discharge to XXXX. ( Sold XX/XX/XXXX ) I would like them to cease the harassment and remove any negative information they have reported.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: AES/PHEAA
State: PA

Complaint narrative:
XXXX XXXX XXXX has not reported on my XXXX since XX/XX/18 as paid or current as by my report XXXX  File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live.

Company response to consumer: Closed with non-monetary relief