vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
XXXX  has been allowing Toyota financial to report false information on my report without a proper investigation for years. Toyota financial illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. Toyota has falsely and knowingly reported information on my credit report for years. When I dispute Toyota will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. Toyota has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. Toyota once reported to XXXX   that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as Toyota or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with Toyota and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX  has been allowing XXXXXXXX XXXX to report false information on my report without a proper investigation for years. XXXX XXXX  illegally repossessed my vehicle XX/XX/XXXX. I stopped paying XX/XX/XXXX after requesting verification of my balance. Which they would not supply to me. XXXX has falsely and knowingly reported information on my credit report for years. When I dispute XXXX will change a number ex XX/XX/XXXX 120 days late to 160 days late and XXXX says its valid. XXXX has opened and closed the account many time. Most recently changing it to closed XX/XX/XXXX dropping my score 40 pts. XXXX   has always stated this a valid and verified according to the fair credit reporting act. This account has been closed for years. XXXX once reported to Experian that I owed {$2300.00}, changed the date opened and that was validated by experian for months until I spoke to the attorney general in ma. I just want valid and verified information reported on my reported. I have tried to get answers about how my disputed information was verified without answers. This should be illegal but it seems as long as XXXX or whoever else just changes a number when info is disputed the credit agencies state its valid without any type of actual verification. This has been happening to me with XXXX and the CRAs for years. Do I really need to get a lawyer because these companies can report whatever they like while the CRAs verify whatever is reported without any type of information. This needs to stop and it needs to stop now. Im tired of being told false information about me is valid and theres nothing I can do about it. Now I cant dispute that my 10 year old account was closed 2 weeks ago because I already disputed and it was deemed valid.

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 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax allowed a business that I was disputing to change the address on my credit report. I found this out because I requested a copy of the dispute and they said I had to send in two forms of ID through the mail. I refuse to do this because it is their XXXX up and they broke the law by allowing someone else besides me to validate and/or change my address. They also allowed this company to validate a fraudulent account that even if by some strange coincidence they were able to legally validate a fraudulent account it was still a breach of contract because I never agreed with the parent company to sell my personal information to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or about XXXX XX/XX/2018 I opened three accounts ( Checking, Savings and Business Checking ) with Chase Bank downtown XXXX, Wisconsin ( XXXX XXXX ). The very same day I took the necessary steps in utilizing Direct Deposit with Social Security Administration and Chase Bank. 

In the months of XXXX, XXXX and XX/XX/2018 I still received Paper Checks from SSA. On or about XX/XX/2018I contacted Chase Bank and spoke with Its Bank Manager XXXX XXXX XXXX and he claimed that SSA was at fault for Discontinuing the Direct Deposit. I disputed that assertion and or allegation by explaining to him that SSA Promotes Direct Deposit and XXXX XXXX XXXX. He then informed me that he will make sure that I receive the coupon for the {$200.00}. XXXX Dollars the XX/XX/2018. 

The issue is this.. Chase Bank is Providing {$200.00} Dollars for New Customers that Deposit at least {$500.00} a monthly via Direct Deposit within 90 Days of opening a Checking Account.I meet that requirement. I strongly believe that Chase Bank Discontinued the Direct Deposit in order to Prevent Issuing the Coupon for {$200.00}. XXXX Dollars to myself. I Should have received the Coupon in the month of XX/XX/2018. If, I had not contacted Chase Bank nor SSA or waited too late I would not be receiving the Coupon. I Strongly believe Chase Bank 's actions are a result from XXXX and or XXXX. I am a XXXX Man. In addition, I have issues with XXXX XXXX   as well. See Complaint No. XXXX with this Entity and or Organization. In my experience here in the State of Wisconsin ... Most White People not all.. Support each other right or wrong when it comes to XXXX People. To Punish and or Discipline Us When We Challenge Them and or Exercise our Constitutional Right ( s )! 

The thing about myself I represent Positive Change among XXXX People here in the State of Wisconsin and or the City of XXXX Wisconsin. I've overcome a life of XXXX XXXX, XXXX and addressing my XXXX XXXX XXXX. In which in their demented mind is a Threat To Their System Here Against XXXX People! They don't want us to have Nothing but what they want us to have.. But want us to have Nothing! But will take our Monies as long as they can and or until they meet their personal and or political goals and or agendas. See 2 page legal instruments enclosed. Yes.. I waited this long to prove, establish, demonstrate and substantiate my allegations and or assertions. It's not what I know.. It's what I can prove. Thanks. Be Safe.

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

Complaint narrative:
I pulled a copy of my credit report on XX/XX/2018, I saw that experian was reporting my account for XXXX XXXX acct # XXXX. They were listing the account with a balance even though the account was paid in full. They also listed the accounts with late payments and I had the account on auto pay so the payments were send out on time directly from my bank to the loan holders bank. I notified XXXX XXXX about the discrepancies and they told me that being that the account was closed that they would no longer be reporting my info to the credit reporting agencies and that the best they could do was send me a letter stating that the account was paid in full and that the account was never late. I received that letter from XXXX XXXX via email and us mail and I submitted all the information including a copy of the letter to experian. They sent me an update copy of my report a few weeks later with the an updated credit report updating my status to closed but not updating the late payments. On XX/XX/2018 I called experian and spoke to a credit specialist and I asked him about the dispute and why my late payments were still on my account after submitting proof from the bank that the account was not late. He stated to me that in their error they only verified that the account balance was paid off and it had a XXXX balance, but that they did not investigate with the bank the late payments. That is in total violation of section 609 of the FCRA.

They never investigated my dispute within the 30 day period and allowed this information to remain on my report, therefore hurting my ability to obtain credit.

They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2018-11-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
XXXXXXXX XXXX  claims that my son took out two loans using me as a co-applicant in XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency Williams & Fudge. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted Williams & Fudge and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and XXXXXXXX XXXX was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with XXXX XXXX but Williams & Fudge representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now XXXXXXXX XXXX attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc.
State: NC

Complaint narrative:
Company : Account Control Technology XXXX Debited out of my account on XX/XX/18 after a recorded phone call. 

This collection is for tuition debt to XXXX University in the amount of {$2100.00}. I paid my collection on XX/XX/2018. I was told by the representative that the collection would be removed from my credit report. He stated the " School '' would remove it. The call was recorded. I had moved and did not receive notification of the debt until it hit my credit report. 

The collection has not been removed from any of my credit reports, it still reports to all three. The school said they have nothing to do with it being reported, that it is being reported by the collection agency. The collection agency says it's the school. Per the attached file it is being reported by Account Control Technology. 

It was promised it would be removed once it was paid and should be removed as they said would happen in the recorded phone call.

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 2018-11-07 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 have disputed the student loan XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

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 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: NC

Complaint narrative:
I received a letter from my homeowner 's insurance policy stating my insurance was being cancelled due to vacancy. The representative informed me that I was not her first call about the same situation from Selene Finance. I had to verify that I had not vacated the property by sending recent utility bills. I contract Selene Finance and spoke to someone in their insurance department. She was aware of the situation but offered no explanation or course of action going forward. After reinstating the insurance on my home, I then received a letter from Selene stating they were going to buy insurance for me if I did not show proof of insurance, which seemed absurd since they caused the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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 have disputed the student loan XXXX XXXX XXXX account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Please CFPB remove 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 2018-11-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had tried to submit a request for appeal and was denied again and on the response it states that they needed police report information. XXXX Police Dept Case # XXXX filed XX/XX/2018. Since this was what they stated that they needed in order to pursue further, please process. As previously stated, none of the signatures match my signature, many of the transactions occurred while I was working 35+ miles away in XXXX . That is the reason for the re-opening of this case per previous Wells Fargo Case # 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 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
It appears that CREDENCE RESOURCE MANA is trying to collect a debt for XXXX for the amount of {$550.00} this is not my debt and they are still to collect money from me that I do not owe I have repeatedly try to talk to XXXX about this debt and it is repeatedly showing up on my credit report, no one has sent me any notice about this debt yet they will not take it off my credit reports. It appears to return on to my report every so often. This is not my debt I have asked for written validation as to this debt in years past and none was given and it is causing me to not be able to get my credit fixed so I may purchase a home. They are creating a big problem in my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX has serviced my loan, they are suspicious because they stated that my loan was transferred from Fairway Mortgage company to them, yet the billing address, website address, payment address, matches everything with Fairway Independent Mortgage. They have not handled payments correctly, and they have not paid my property taxes on time. Per their automated system, as well as their agreement. They are supposed to pay my taxes on XX/XX/2018. This is when the taxes are due. I have been advised that they will be paid on XX/XX/XXXX. This is not when the taxes are due. I have received two different notices, and when I called in to speak with someone about it. I got a gentleman on the phone, named XXXX XX/XX/2018 who said that I did not understand the process and they will not be paid until XX/XX/XXXX regardless of what I said, or my tax bill reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: JTM Capital Management, LLC
State: MO

Complaint narrative:
I started receiving calls on Monday, XX/XX/2018 from XXXX XXXX regarding a debt owed to XXXX XXXX. I spoke with XXXX XXXX and explained to him that I had a medical debt from a sick child that caused the account to become delinquent and my bank will no longer allow them to debit funds from my account because of overdrafts. He was very professional and empathetic. He offered me 24 payments of roughly $ XXXXmo or a settlement of {$2500.00}. We agreed that I would make 2 payments of {$1200.00}. The XXXX in XXXX and XXXX in XXXX, however I was out of town and would call him back this week to set up the payment. 

Today, I received 3 calls from XXXX within 5 minutes. The first @ XXXX XXXX, the second at XXXX XXXX, and the third at XXXX. I called back and was transferred to XXXX XXXX, who stated that he was the General Manager. I told him that I had already spoken with XXXX and was at work so I did not have time to speak. However, I did ask him to slow down so that I could take his information and call him back with the details because I was in the process of pulling the fund to make payment from my 401K to pay the settlement in full. He immediately started yelling that they did not have time to wait on me, either I was going to pay now or he was suing me for {$6000.00}. When I asked why the amount changed, he became very aggressive and continued to yell at me and used abusive language. 

I suspect this is the same person that has been calling family member although I requested that they not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: MI

Complaint narrative:
I am XXXX XXXX, the XXXX / XXXX of the XXXX XXXX  XXXX XXXX XXXX XXXX in XXXX, Michigan. I have never filed a compliant before with the CFPB but an experience today prompted me to file this one. I view the CFPB as an entity that can make companies that behave in this manner accountable for their actions. 

The company I am writing about is Certegy Check Services , Inc. This company provides check clearing services to many retailers throughout the U.S. Researching this company online, it appears that they do a very poor job of clearing checks which results in credit union members and bank customers having their legitimate checks denied when they attempt to use a check to complete a purchase. Certegy provides a phone number to call, however the phone number does not allow you to access a person to ask them why checks are denied.

Our credit union is starting to see issues with multiple retailers that use Certegy 's services because our member 's checks are being declined. After a search online, it appears that many institutions have this issue. I do not believe it is fair for a company to use incorrect information to deny checks from being used to purchase goods or services.

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