vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
After multiple disputes, TD Bank has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PAID OFF THE BALANCE DUE XX/XX/2019 {$11000.00} - PAID OFF EARLY ONXX/XX/2018 BUT RECEIVED NO BENEFIT FOR EARLY PAYMENT. TALKED WITH TWO SUPERVISIORS WITH NO ADJUSTMENT - IN BANKING WE CALCULATE INTEREST ON SIMPLE WHICH SHOULD SAVE ME {$190.00} IF I HAD PAID THE BALANCE OF {$10000.00} ON XX/XX/2018 - THEY WOULD GET NO INTEREST. IT WOULD SEEM THAT {$1200.00} IN INTEREST FOR A 4 DAY LATE PAYMENT WOULD MAKE THEIR DAY. IT WAS NOT DISCUSSED AT THE TIME SHARE XXXX ABOUT THE DEFERRED INTEREST AND I ASSUMED THE INTEREST WOULD START AFTHER 6 MONTHS.

XXXX XXXX - XXXX XXXX XXXX, XXXX, TEXAS XXXX E-MAIL 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 2018-12-10 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: TX

Complaint narrative:
XXXX XXXX is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.

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 2018-12-10 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: TX

Complaint narrative:
XXXX XXXX is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.

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 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rickart Collection Systems, Inc.
State: MD

Complaint narrative:
I paid my final bill with this utility company after the end of my lease. Months later I receive a bill in the amount of {$21.00}. Once I received the forwarded bill to my XXXX XXXX , I mailed it in and the check was returned " cashed '' by the same utility company ( XXXX ). I then received a letter from Rickart Collection Systems requesting payment. I have attached both the collection notice and the proof of the cashed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX XX/XX/2018 on this Portal Equifax stated they performed an investigation and verified inaccurate information on 2 XXXX XXXX  credit card accounts. Equifax FAILED TO PROVIDE THEIR METHOD Of VERIFICATION as requested in the attachment that Equifax signed via CERTIFIED MAIL on 3 XX/XX/2018. Equifax continues to verify without a METHOD. I sent the letter attached to obtain information to support my small claims lawsuit against Equifax. For my records I am maintaining all of the documents through this portal. Equifax please reply via mail as requested from the document signed by your company on XXXX XX/XX/2018 the persons and documents afforded from chase bank that you have used to continually update inaccurate unverified information on my CR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS

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 2018-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: MD

Complaint narrative:
Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

Title : Account Opening Bonus ( {$300.00} ). I received a flyer from BB & T to open a new bank account, per flyer I would be eligible for {$300.00} account opening bonus if I will keep {$5000.00} in my account with 30 days of account opening. I went to the BB & T XXXX branch with the flyer and opened an account on XX/XX/18. Per flyer language " Use promo code " XXXX '' when opening your account to get {$300.00} - offer ends XX/XX/2018 '' I asked banker to ensure that I get account bonus since I made deposit of {$5000.00} in my bank on XX/XX/18. I waited until XXXX end to receive {$300.00} bonus since I fulfilled all the conditions. I called BB & T customer care three times to  know whereabout {$300.00} bonus but they had no idea and they told me to check with the bank directly. I visited branch on XX/XX/2018 and explained the situation to business banker " XXXX XXXX '' he promised to look into the matter and resolve it by XX/XX/2018. After XXXX I made three follow-up calls to him but I did not receive any response. I am very unsatisfied with poor customer service and lack of accountability demonstrated by BB & T. I have original flyer clearly indicating that welcome bonus will be deposited within 90 days if {$5000.00} is maintained as average daily balance. Please help me to get resolution and promised bonus.

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 2018-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I inadvertently made a payment to Toyota Financial Services for my vehicle that I was leasing from them but subsequently bought through my bank. During my conversation, with customer service at Toyota Financial, I found out that two extra payments were made on the lease and that I was owed XXXX by Toyota Financial. I was told that a check was being issued and should look for it by the end of the week. 
On XX/XX/XXXX no check. I was told that a check had been cut on XX/XX/XXXX but that they will reissue a check. 
On XX/XX/XXXX I was told that a check was issued on XX/XX/XXXX but was not sent out yet and that I should get it by the end of the week. 
On XX/XX/XXXX no check. I received a case number and was told that Toyota financial will overnight the check and I should receive it by the end of the week. 
On XX/XX/XXXX no check. I was told it was cashed and that administration will look into it and I should call back toward the end of the week. 
I have names of people that I spoke with in customer service. 
I have sent an email to XXXX XXXX XXXX and informed him that I have referred the matter to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX  for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership. 

Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ). 

I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference. 

Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
After multiple disputes, XXXX/XXXX has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay 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 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have accounts that i disputed and transunion refuses to remove, even tho XXXX  and XXXX  already removed the items, i provided them with a dispute by mail and i have the confirmation of postage, here is list of items i want deleted from credit report, XXXX XXXX XXXX {$3000.00} BALANCE XXXX  XXXX {$1500.00}

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 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I have account being reported from Toyota Motor Credit ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years.

the date of 1st delinquency was XX/XX/2010 according to XXXX  & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
In XX/XX/2018, I called American Credit Acceptance concerning a late fee and to ask to change my due date. The conversation did not go well. After my call, they stop sending me my monthly statement showing how my payments were being applied. I sent them an email XX/XX/2018, stating that I had not received my monthly statements since XX/XX/2018. And, that I could not view how my payments were being applied on their website.

XXXX XXXX   <XXXX>, responded on XX/XX/2018 with an attachment that I could not access because it was time sensitive. As of today, I can see the dates that all payments have been received ; I just don't know whether the principal and interests amounts have been applied appropriately. As of today, I have a balance amount due of {$1300.00}

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 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I went in to the company for an XXXX XXXX XXXX, and was not informed at the time of any charges owed. I received notice later to pay a balance of {$270.00}, which I paid through their online portal. I continued back for the few weeks, to see if there were to be additional charges. I received notification a couple of months later, indicating that I had a past-due bill. I logged into their online portal to see a late charge of {$110.00}. I called the company, and inquired about it, and why I didn't receive notice until it was late, to which they replied it was a mistake and removed the charge.

I received another notice another couple of months later indicating that my bill was late. The same charge was sitting at the next threshold of delinquency. I called the office again, and again they removed the charge. I continued to check back for the next several weeks, confirming that my account balance was {$0.00}. I received a third notification when the bill was another couple of months " late '', again I called and the office removed the charge. The amount was again XXXX  out. I again continued to check back for the next few weeks, confirming the amount had been XXXX out.

I then received notice in the mail that the bill was delinquent and now in collections. I called the office, and spoke to the office manager who advised that the description on her end was for XXXX XXXX, whereas I had been seeing the charge described as a XXXX XXXX XXXX. I asked her why I hadn't seen it until it was late, she advised she did not know. She provided the number for the XXXX XXXX XXXX XXXX office, and when I called they advised I had a case to have this amount adjusted. They sent notice to the office and advised me to call back in a week. The office never responded to XXXX XXXX. Over the next couple months, I continued to check back with XXXX XXXX only to be told they had never received a response. This has started to impact my credit score, and the office continues to not respond. I attempted to call the office to speak to the office manager again, but am now unable to get through the phones to speak to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
The collections company : National Credit Systems , Inc. ( NCSI ) has been attempting to collect a debt from me since XX/XX/2015. I didn't feel obligated to pay the debt because I was living in an Apartment Complex where the maintenance and office staff were harassing me and my roommate by " XXXX us with odors '' that made us feel noxious and sick and made it hard for me to sleep at night, which made it hard to go to work the next day and hard to go to work the next day. The Apartment Complex is called XXXX XXXX, in XXXX AZ, and the it was apt XXXX   that I left w/out paying to break the lease. Me & my roommate kept calling police, fire dept., and even hired a private investigator to try and find out who was " XXXX us '' and how they were doing it. We concluded that it was an inside job, because when it first started and we had the manager come over to smell the odor, she said of course, that she could not, and the same w/the maintenance staff so we were unable to say that the apartment was uninhabitable to break the lease. We ended up having to go through the AZ Tenant Association ( ATA ) and followed XXXX XXXX advice to not break the lease and not have any contact w/the collections agency. After a year of doing this, I tired of the phone calls from everywhere at all hours, and I ended up calling them and attempted to dispute that we owed any money since we were the ones that were harassed by odors being pumped into our apartment, making it inhabitable. If there were no odors or ( harassment ), we wouldn't have left. NCSI stated they investigated but they didn't find any evidence to validate our claims. I didn't set up a payment plan w/them or call them after this, however, the horror story of being harassed by odors being pumped into any place we have rented since leaving XXXX XXXX XXXX XXXX has been ongoing, and we believe it is now being done by the collectors that work for the agency. I have moved every year since leaving XXXX XXXX XXXX XXXX to find a place that is safe where the odors will not happen to us, not because I enjoy spending the money it has cost me to move, even paying to break leases, in an attempt to escape the harassment as the odors inevitably start again in about XXXX mos. every time I have moved in to a new place. I have moved XXXX times in the XXXX years since leaving XXXX. I am not living in a house I rented thinking I could escape being harassed if I didn't rent an apartment, townhome or condo which are more closely spaced together and often times share the same ventilation systems, making it easier to have access to, but I'm still being XXXX by smells here! This has got to stop, please help me with this ongoing harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC
State: TX

Complaint narrative:
Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as XXXX XXXX XXXX. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with XXXX XXXX XXXX certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Duplicate accounts on credit report. Account is closed and needs to be removed from Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to Transunion & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

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