vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-10 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
New car financed through XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX totalled XX/XX/XXXX, XXXX rec 'd full payoff in XX/XX/XXXX. Employee at XXXX in XX/XX/XXXX made error and brought car out of total in system and marked us as 120 days late. WE NEVER EVER MADE ANY LATE PAYMENTS THROUGH CC!!!! I have spent OVER 2 dozen hours on the phone OVER the past 4 years to have this removed off my credit reports TO NO AVAIL. It has cost me credit and interest rates. It still shows up in XXXX " everyday system '' as 120 days late, even though not one payment was even a day late! ENOUGH!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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: NC

Complaint narrative:
Toyota motor credit Corp Documents have been sent in showing that the loan has a {$0.00} balance yet it shows up on my credit report as the only negative interaction I've had. I have proof the loan was paid down in full. The documents have been sent to dispute in the past. Also the account wasn't mine too begin with. I was XXXX years old at the time and didn't have a car. I'm a XXXX and I believe the accounts were mixed up. This has all been brought to their attention. 
Date reported:XX/XX/XXXX Payment Status : Collection/Chargeoff Account Status : Derogatory Amount Past Due : {$8500.00} Bureau Name TOYOTA MOTOR CREDIT CORP Account Type Auto Loan Responsibility Individual Original Loan Amount {$25000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This is an addition to my previous complaint regarding chase visa amazon credit card. This morning XX/XX/2019, XXXX  notified me my automatic payment method was declined- the payment method being the latter card. After speaking 4 different times with chase representatives over the phone on XX/XX/2019 - 2 days ago - regarding a catering order which was continuously being declined for my brothers funeral, I was assured the card would be active and that transaction would go through and rep would make sure and monitor my card for next 24 hours. It now appears that the card has been deactivated without my knowledge and my automatic payments are being declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  08 XXXX XXXX  its been over 60 days Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: NJ

Complaint narrative:
XXXX XXXX  XXXX refuses to remove this account they claim I was paying with a XXXX XXXX checking account which I never opened up and have proof also credit first has confirmed this account as fraud already yet they still report it on my Equifax report and XXXX XXXX loan is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
We purchased a 2018 XXXX XXXX XXXX XXXX On XX/XX/XXXX for XXXX and being charged a 26.59   % interest rate due to low credit score. Payments are XXXX a month for 72 months and will have paid XXXX XXXX dollars for this car when its paid in full. Outrageous interest rates for subprime borrowers should be illegal and its predatory since neither of our credit scores were that good but this is highway robbery. Even in 2 years we will still owe more than the car is worth and this particular lending company has been sued for predatory lending already. What recourses do we have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
So this claim is about {$380.00} that has been taking from me wrongfully through fraud. On XX/XX/XXXX by the XXXX XXXX company through paypal. This company took away all of my digital goods through this service after i found a problem which they refused to fix and later got mad and blocked my messages so i could no longer contact them. Not only that they also took away everything I paid for by banning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have been trying to do a loan modification on my mortgage and carrington mortgage services llc has not been helpful at all they deny me for missing paperwork and they already have it several times they asked for same document denied my application then told me the next time they have that same paperwork that they said they did not have.The most recent denial was for the reason of me not living in the house under fha guidlines even though they knew that there is water damage to property .There is an open insurance claim that there lost draft department is hounding me for the check yet there loan modification dept uses that against me this has been going on for at least 5 years now the reasons for there denial are unjust they use a little bit of the information they have access to against me and never the information that would clear any issues in my favor.They also change how they can communicate with me to there advantage all the time, one week they can email me the next they are not allowed to email me and the same person will tell you that they never were allowed to contact you through email because of company policy even though there is evidence of emails going back and forth for weeks, then all of a sudden you can email the rep again.They also put house on marshall foreclosure sale list without informing me and said that they did not have to inform me of a sale .They turned my last load modification down on a monday afternoon then tried a marshall sale the following morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 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: LEXISNEXIS
State: NJ

Complaint narrative:
Lexus nexus is reporting I have had about 7 car accidents I never had a car accident and they dont have a police report to prove it they must delete this information and so must the New Jersey Motar Vechile commission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARS Acquisition, LLC
State: CA

Complaint narrative:
I purchased a car from XXXX XXXX located in XXXX XXXX XX/XX/2019. I was initially told via XXXX what information to bring and how much down. I brought all required information. My payments are due bi weekly based off my pay date. After getting to the dealership I was asked to pay {$500.00} more down. I was told I can pay it within 10 days. On XX/XX/2019 I made a payment of {$300.00} directly to XXXX XXXX office. That left a balance of {$200.00}. My regular payment of {$210.00} wouldnt be due until XX/XX/2019 and I have a 10 day grace period. On XX/XX/XXXX I received a letter from car financial services saying I owed {$1000.00} by XX/XX/2019. It said I have a past due of {$500.00} and my payment was {$500.00}. I called and said explained my contract says I pay $ XXXX monthly. {$210.00} starting XX/XX/2019 then my next payment of {$210.00} two weeks later. So the person I spoke will pulled my contract and still acted like her contract said something different so I told her I would seek legal assistance so then car financial services said they would t contact me about any payments and send my account back to XXXX XXXX. Since I was having so many mechanical issues with the car and to the point its inoperable at times I requested the remaining {$200.00} be split Into 2 Payments this was agreed upon by XXXX XXXX prior to any communication with Car Financial Services. After speaking with Car Financial Services they still reported false information to my credit report saying my monthly payments are {$1000.00}. My monthly payments are {$420.00} total. Its not even my original due date and Im receiving notices saying Im past due on XX/XX/XXXX. I only owed {$200.00} more on the down payment after already paying {$2800.00}. Also the amount owed on my credit doesnt reflect the {$300.00} I already paid and for some reason my blance is still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FC HoldCo LLC
State: SC

Complaint narrative:
I have contacted this company on multiple occasions informing them that I need verification of the debt or have it removed off of my credit. The item was removed as they were unable to verify the debt with me or the major credit bureaus. They then readded the debt back on after a few months. I've recently contacted them as of XX/XX/2019 in an effort to have the debt removed once again for failure to verify the debt. I sent a certified letter to the company 45 days ago and another one on XX/XX/2019 after not receiving proper verification from the company once again. I have attached a template of the letter 1 that was sent and as of recent letter 2 that was sent for the company to verify.

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 2019-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
i was contacted my XXXX XXXX this morning at about XXXX XXXX by XXXX, employee number XXXX regarding my XXXX  account. recently i had paid my balance in full through the mail. they have not posted my payment yet and it is 9 days past the due date XXXX told me my account was in collections. this is a misrepresentation of the delinquency level of the account and is an obvious scare tactic. i made complaint with XXXX   and spoke to a supervisor, ms XXXX employee number XXXX. ms XXXX reiterated i was in collection and subject to adverse action they are not able to even report me delinquent at 9 days late, much less report a collection. this is an abusive, deceptive practice. please encourage them to change their policy and educate their employees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX -> This was my previous complaint. 

Short story it has been over a month trying to resolve my credit history. Please refer to previous complaint above. My information was lost/mixed up with another person. They asked me if there another person with my last name with the same social security number. I called Friday XX/XX/2019 to get my issue resolved and was given 5 business days. I called XX/XX/XXXX and they extended it for another 5 business days. After my previous complaint, everything on my account was duplicated. So for a few days I at least had a credit score, though everything was wrong. Student debt, loans, etc. I called a lady to get it fixed ( it was pretty straight forward ) because the loan numbers and account # s were the exact same. What then happened was that everything got deleted again and went from a XXXX to a XXXX again. Then to make it worse, I was asked to call my bank to make sure they are reporting correctly and inserted it on my account ... again pointing me back to blame the bank. If you read the previous complaint, they were able to find my information without using my social security number, but again, we have to wait longer to see what turns up. This problem hasn't been fixed one bit and am worried about privacy at this point too.

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 2019-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I have sent validation letters to this company and all they send .is an itemized bill/statement with no contract or paperwork bearing my signature. Plus, they refuse to send any paperwork with a HIPPA release letter. This is being reported on ALL my credit reports in a negative/derogatory way and I would like it removed immediately.. 

File # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/19 at XXXX XXXX I made a purchase at XXXX with my debit card in the amount of {$60.00} ( Balance was {$21.00} before transaction ). Normally transactions are pending for 2-3 days before posting. I made a deposit of {$50.00} to the account on XX/XX/19 at XXXX XXXX bringing the account balance to {$11.00}. At that time, no fee had been added to my account. I have dated email notifications from WF. 

Wells Fargo charged me a fee for overdraft in the amount of {$35.00} on XX/XX/19 at XXXX XXXX which brought my balance to $ XXXX. I called to speak to someone to request that the fee be reversed and the a representative that informed me that I have until XXXX XXXX   on the night of the transaction to cover any negative balance. This was NEVER told to me before and NEVER has a debit card transaction posted to my account in less than 24 hours. 

This bank has consistently displayed predatory banking practices in order to extract fees from its customers.

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 2019-05-10 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I recently applied for a credit card with CitiBank. The application was denied and I contacted them and asked why and they said I had a bankruptcy still showing. They suggested that I call XXXX  and follow up. I did so and there is no bankruptcy showing on my credit report and I verified by the copy I recieved yesterday in the mail. I contacted XXXX today and the again assured me I have no derogatory information on my report and i verifed the other 2 agencies and the same thing applies. I spoke with CitiBank yesterday and they pulled my credit report again and said it is still showing up. Please advise XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: IA

Complaint narrative:
A number called me XXXX telling me I owed XXXX {$500.00} some and they were a debt collection agency. I proceeded to tell her thats false I owe them no money and she began arguing with me, asking am I just going to not pay something I owe. I called XXXX and theyve never heard of this and confirmed I dont owe them money. I also checked my credit report and its clear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I have received multiple calls after XXXX. They occurred at the times and dates below XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CT

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX to ask them if they had their own visa personal or business credit card. The bank representative said they offer credit cards through Elan Financial Services. The web site appeared to be an older application website, I thought it was a pre-approval application. Instead Elan Financial Services pulled a hard  inquiry and I was informed that they pulled my XXXX XXXX credit report. I did not receive confirmation of the denial. 

I contacted Elan Financial services about the reasons of their decision, based on the information supplied by XXXX XXXX, including reasons of the basis of their decisions included balances reported on my deferred federal student loans that generated a debt to income ratio above the payment plan I am under. 

Even after review/consideration Elan Financial services refused to grant or extend credit. Even after I expressed that the information supplied by XXXX XXXX was inaccurate, incomplete and or misleading. I asked them to exclude the student loans into their decision and they refused. 

The application procedure did not inform me of my rights under the equal credit opportunity law, nor did Elan Financial Services informed me of my rights to dispute their credit decision under the Fair Credit Reporting Act. 

The inquiry conducted by Elan Financial Services was my mistake, because I was not properly informed of the application process by XXXX XXXX. I was unsure who I was applying to at that point I have never heard of Elan Financial.  The inquiry was a mistake and I am requesting XXXX XXXX to delete the inquiry on XX/XX/2019.

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 2019-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am disputing a charge on my checking debit card that was not authorized by me. On XX/XX/XXXX, I requested a pickup of clothing to be washed and I also had labels on each bag inside and out stating this. On XX/XX/XXXX the clothing came back dry cleaned which is a substantial difference in money ( {$220.00} ) in excess of {$200.00} of what it should have been. I called many times to ask for an error correction from the company with no luck and therefore disputed the charge with my bank. The bank decided there was no error on part of the cleaners. I am forwarding a few documents, letters and photos that were involved and I have many more if needed. 
Thank you for any help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MO

Complaint narrative:
My mortgage was sold from XXXX XXXX to M & T bank last month. I had set up semi monthly payments with XXXX XXXX, and was able to set it up with M & T bank. Last month on the XX/XX/XXXX and XX/XX/XXXX both banks withdrew the money out of my bank as agreed apron. Not on the XX/XX/XXXX this didn't happen. M & T bank never warned me that the withdrawal was not going to occur and why. I had paid my previous months payments and the letter I received said that they were going to continue on the XX/XX/XXXX. I have contacted M & T bank multiple times and for one reason or other they are not willing to honor the  agreement that we had. They are the ones that didn't honor the agreement and I want them to honor it. I do not trust them by issuing an ACH withdrawal at this time because what has transpired during this process. Now they are threatening me that they will not withdraw my mortgage on the XX/XX/XXXX of this month

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