vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
We received the first letter of payment owed on the disposition fee of a returned lease vehicle on XX/XX/XXXX by mail. They started harassing phone calls on XX/XX/XXXX. So they only allowed 15 days to pay a bill and then started calling work, cell and home, twice a day. I told them I would pay the bill as I always have and that we have NEVER been late. They continued to call everyday, multiple times a day. 
When I tried to explain that I think they are being a little aggressive for a customer that has 2 leased cars with them, has never been late and who just received the invoice, they didn't care and basically accused me of not wanting to pay. 
Rest assured the 2nd leased vehicle WILL definitely be turned back in and we WILL NEVER lease with XXXX or Toyota again!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: NJ

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Equifax regarding a collection account that was improperly being reported on my credit profile with their company and should be removed. 

On XX/XX/XXXX Equifax closed my dispute noting that they verified the account. They updated the tradeline, re-aging the account and lower by credit score by 5 points. This was not only incorrect but illegal. 

The account in question that I disputed is with a collection company named XXXX XXXX XXXX. There was no way for Equifax to verify this account as they alleged in their response to my dispute because I have proof that XXXX XXXX XXXX deleted the tradeline on XX/XX/XXXX. XXXX and XXXX both removed the tradeline as a result, however Equifax is claiming that this tradeline which was deleted by the company has been verified. Equifax has gone as far as updating the account to reflect the last activity on the account as XX/XX/XXXX. This illegally re-ages the account to make it remain on my credit profile longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I recently received a letter from XXXX XXXX XXXX to validite the debt on my mortgage. I've requested a mortgage modification with Caliber Home Loans and I have not received a modification documents. I did speak Caliber customer service regarding my modification request. I was told they made a private mortgage insurance claim for over {$20000.00} I questioned why were they making that claim when I was only a few months delinquent I was told by customer service, Caliber Loans they were going to escalate this issue to upper management because they should not be making a claim for that amount when I was only delinquent for a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Applewood Funding Corporation
State: AZ

Complaint narrative:
I applied for a 2nd mortgage of {$25000.00} on a home I own to do some upgrading in anticipation of XXXX grandsons living there while attending the University of XXXX starting in the XXXX of 2019. The property is used a rental in the meantime, I learned at the closing for the first time, the lender, Applewood Funding Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, was requiring, without explanation, a " concurrent payment '' of both the 1st and 2nd. I was subsequently advised in writing by XXXX XXXX, President of Applewood that '' RESPA does not have any forms for disclosure of concurrent payments '' despite it being a material term to the loan origination. 
I complied with concurrent payment requirement by enabling ACH electronic payments on the 1 of each month. I began to notice that the underlying loan payment was arriving perilously close to late date of the XXXX. and as a result am making the 1st payment electronically with proof of payments to Applewood. Applewood has refused to provide a copy of the credit report obtained for the original loan approval. 

The Loan was assigned to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ,, XXXX and according to email from the servicing agent XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ XXXX, " Unfortunately, the Lender does not wish to grant us permission to release the actual email sent to us " ( regarding my resolution request below )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
I set up a payment arrangement with Genesis Credit Management the beginning of XX/XX/XXXX. The account rep in charge at the time ( XXXX XXXX ) offered me a deal that stated I would make weekly payments to the account until I paid off half of the full balance and, at the time it would be considered paid and closed and would be deleted from my credit. I have continually made weekly payments from $ XXXX {$250.00}. The rare occasions I had to change the amount or could not pay I called in advance and made the arrangement, and each time I verified it would not void my offer and was told it would not. A payment has never bounced. My account rep has changed numerous times due to ternover at the company but, I have Verified numerous times with each rep that the original offer still Stands, and have always been told yes. That once I paid half ( around {$4500.00} ) it would be closed and deleted. I have asked if I needed something in writing and was told no because, everything is recorded and there are full notes on the account. Less than a month ago when they called to renew my payment arrangement the woman I spoke to ( I believe XXXX XXXX said she was assigned to my account, and that by XXXX I would owe less than {$800.00} which, I agreed to pay with my taxes and the account would be closed and deleted from my credit. This past week I called to adjust my payment arrangement due to a layoff, and XXXX told me that come XXXX I would pay {$4500.00} to close it. I informed her that wasnt what was agreed upon and she directed me to a supervisor. I spoke to him ( XXXX XXXX ) about the Issue and he said the original guy that offered me the deal shouldnt have. I said that wasnt my problem and that Ive alwahs verified the terms with each new rep. He said he could take 55 % of the remaining balance which is {$1900.00} and that because it wasnt in writing he would not honor it. I told him I have worked XXXX XXXX XXXX XXXX XXXXt and that, what is stated on recording needs to be withheld. He informed me that he would not check the recording and that he would note on the account I want taking advantage of the settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: AR

Complaint narrative:
ONLINE NOW MUST DELETE INVALIDATED INQUIRY FROM XXXX XXXX AND FURNISH A DELETION REQUEST NOTICE TO US TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Disputed " chip '' charge on my Citibank credit card in XXXX while on vacation, that was not made by myself. I reported this error within a week of the charge being posted. The card was not stolen or lost. It appeared that when I handed my card over to make purchases, normally at a restaurant, an additional charge of XXXX Euros, by a company I can not identify, or even find via a web search was placed on my card. I wrote to the legal department and they responded that since this was a " chip '' charge, and I did not lose the card, this was a legitimate transaction on my part, and I am liable. They also concluded this is not a billing dispute, so it appears no investigationb whatsoever took place.

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 2019-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I have an account with CreditKarma to keep track of my credit and accounts. In mid XX/XX/XXXX ( around XX/XX/XXXX as best I can tell ) my account was compromised and the person who accessed it changed the email and password associated with it. Despite the account being tied to my name, social security number, and info I no longer have access to it. CreditKarma not only did not provide the adequate protection of my account and data, they did not even notify me that my information had changed so I had no idea it had been compromised. 

I noticed this in mid-XX/XX/XXXX and reached out to CreditKarma for help. Despite multiple attempts to reach their support team and even tweeting at them I have yet to hear a response. Meanwhile fradulent checking accounts and credit cards have been opened in my name. 

CreditKarma has been irresponsible in their handling of my data and their ability to resolve this issue in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Let me preface this by saying I have paid every bill timely, never once being late, and have spent quite a lot of money with this company. My payment was due XX/XX/2019 and I sent my check XX/XX/2019. The company did not process my payment until XX/XX/2019, which was a Sunday. Effectively, they charged me a late fee of {$27.00} and then a {$6.00} interest fee on top of that, for a total of {$33.00}. I am apalled that they waited so long to process my check, and then to add insult to injury not only charge me a late fee, but interest on that late fee. As I said, I have made every payment on time since the history of my having that card, and now they are endangering my credit for their lax practice is in processing payment. I spoke with a representative XX/XX/2019 regarding the same and he could not help me at all. I canceled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: OH

Complaint narrative:
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I received and escrow analysis showing the account with SLS had a surplus in the account. The account was not current and the letter indicated that the check would be refunded when the account was brought current. As an executor of my mother 's estate I contacted the company. Made the payment to bring the account current. SLS shows the account current as XX/XX/XXXX. I was told I would have the surplus check within 2 weeks. 
Did not happen. I waited until XX/XX/XXXX to follow up again. I was told I would have the check in hand by XX/XX/XXXX. The delay was because they had not filled out the correct form internally to get the check released. 
Today is XX/XX/XXXX. I followed up agian and was told that they would be changing my escrow account in XX/XX/XXXX and they would look at sending the check out sometime next month. This is causing there to be late charges to the XX/XX/XXXX payment since these are the funds that were to be used to pay XX/XX/XXXX 's payment. They told me that was not their problem and they would also be assessing an additional late charge. I have been transferred from one person to another and placed on hold for over an hour. 
It is my understanding that they should have resolved the escrow surplus within 30 days. They have surpassed this time period and as a result of keeping our funds they are causing other late fees and charges. I just finished talking with them and they are going to see what they can do and will let me know when they find out. No time frame.

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 2019-01-29 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: GA

Complaint narrative:
The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis
State: OH

Complaint narrative:
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX XXXX - a convention 20 year loan with inception date XX/XX/21, was transferred to Mr. Cooper. My loan payment was drafted half on the XXXX and half on the XXXX. The portion on the XXXX was immediately applied, I accelerated payoff. 

I got a letter from Mr. Cooper, Your loan is now ours. Promising no changes to my loan. After over an hour on the phone with Mr. cooper, they tell me that they can not offer the same payment conditions and APPLICATION TOWARDS MY LOAN as I had agreed to at origination with XXXX XXXX. This constitutes a material and costly change I did not ask for. Mr. Cooper refused to move my loan back, or apply more towards principal, instead offering my an 'equity acceleration program ' where I could pay more ( duh, don't need a service for that one ). 

This transfer process offered me no input, feedback or right of REFUSAL which is absurd and now I'm stuck, in a situation where I've been cost money and not made whole by mortgage services. 

Help my CFPB, you're my only hope

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: TX

Complaint narrative:
This complaint is in response to a recent complaint that was filed. Please reference complaint number XXXX. Experian has stated that the information was verified with a furnisher/vendor company. This is an incomplete investigation. I do have paperwork from XXXX XXXX and the Bankruptcy Federal court that proves no bankruptcy information has been released to anyone. The information on my credit report is still inaccurate. Please note : XXXX coding is not a reasonable means of re-investigation. Please reference the established case laws XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX. 

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed. I am formally requesting the description of the procedures used to determine the accuracy and completeness of the disputed information, including : * the business name * the full name of the individual whom you spoke with * the full business address * and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ).

Negligence or willful disobedience to this request will prompt my immediate pursuit of legal remedies protecting my consumer rights including up to {$1000.00} in damages per account. I look forward to an expedient resolution of this matter. 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 explanation