vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I disputed this account with Toyota on XX/XX/2019 via certified mail. In the dispute I called out under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) - stating that the accuracy of the information that Toyota is reporting is inaccurate and does not align across all the 3 credit bureaus. I asked for an investigation and asked for EVIDENTIARY DOCUMENTATION that substantiates the information they are reporting to the credit bureaus on my file. 

dated XX/XX/2019 I received a response from Toyota stating that the account was being reported correctly. clearly not even looking at the documents and proof that I have submitted with the dispute. Nor did they provide me with the documentation I requested showing that the info being reported in accurate or any documentation bearing my signature there are still multiple discrepancies being reported differently across the 3 credit bureaus ; including date account opened, date of 1st delinquency, date of last payment, repossession reporting and multiple late reportings that I have mentioned in the previous dispute. attached is the copy of my credit reports to prove again. 

This is my last goodwill attempt to have this matter cleared up by Toyota. The item being reported is entirely inaccurate and incomplete and represents a serious matter in the way this company is reporting.

I am formally requesting again, ALL EVIDENTIARY DOCUMENTATION that proves what you are reporting on my credit file.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the FCRA, along with corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received a Visa credit card from BBVA Compass bank and for every purchase, the account gets flagged for fraud, making it a huge inconvenience to try and get through to their fraud monitoring to unlock the account to verify that I had in fact made these purchases. On top of that, now, when I call in, I feel like my privacy has been violated. I am not calling to report fraud on the account. Instead of confirming that I had been the person making the purchases, BBVA is asking for very specific details about the transactions -- what I purchased at the retailers -- which I feel is a gross violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/2018, I applied for and was granted a credit card account with Capital One with a XXXX dollar balance. No issues, no problems. The card came in the mail. I created the online account, and set up automatic payments from my bank account. I called to activate the card that arrived per instructions. Capital One required information when activating the card. They asked for cell phone number, which I did not have or provide. They asked to upload a copy of my license. I did that multiple times, as each time they claimed that the picture was not discernible. Each time I took a new picture and uploaded it. It was as clear as day. Each time, Capital One had a different excuse as to what was not 'legible ', finishing with the file must have been altered when I uploaded it. It was clear that is was one lie after another. I spoke to multiple people, some claiming to be supervisors. I spend hours on the phone over the course of weeks. After wasting so much time trying activate a card, I ultimately decided to cancel the account. Capital One refused. They have access to my personal information, banking information and have run credit checks, but would not allow the card that they provided to be activated. They would provide no actual reason why. They refused to delete my personal and financial data. During the course of the conversation, Captial One said that I was not allowed to record the phone conversations, even though they state that they record the phone conversation. This should be a dead give away that they are up to something not above board. Do not apply for a card with Capital One. Clearly, they are after personal and financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A while back we had contacted Wells Fargo because we had fallen behind alittle not by much but my wife wasnt currently working so we decided to try to do a loan modification to lower our payment to make it easier for us, we spoke to someone on the phone and specifically asked can we still make payments during the process and they told us no which we didnt understand, but we went along with it thought we were starting the loan modification process, but every time we tried to contact someone the voicemail was full so you couldnt leave a message or when you would finally get a hold of someone that person doesnt work there anymore so we would have to submit more paperwork and start over again this happened twice. During the what we thought we were doing a loan modification we recieve a letter in the mail saying we have a law day and we werent even aware that we were in danger of facing foreclosure because we never received anything before that, so we hire a lawyer and stop the law day and finally get some where with the loan modification mind you now we are so far behind because they told us not to make a payment when we thought we were doing a loan modification the first time.. so everything is settled they say we can do a trial period which we made all three payments over the phone and the last payment I asked the lady what happens next she said you get something in the mail to sign so that is the permanent Payment so we said okay and then all of sudden we get a letter again saying we were never doing the trial and we never made payments and that they were persuing the foreclosure so now we are back at the beginning again but now we are more angry then we were before and now we want to sue them, we need an attorney to sue them for all the stress and pain they have caused us health wise due to stress.. so that is where we are at right now

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 2019-01-23 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: GA

Complaint narrative:
I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I am subscribed to many services that offer your credit scores and a breakdown of your credit reporting ; such as XXXX XXXX ; XXXX ; etc. The reports that are shown on those sites offer " Vantage Scores '' and " Fico Scores ''. On XXXX ; for example my " XXXX XXXX '' shows a score of XXXX. On XXXX XXXX and XXXX, I show a " Fico Score '' of XXXX for both Equifax and XXXX. The reports show that I have never missed a single payment ; I have credit history over seven years ( which apparently isn't good enough for the consumer credit bureaus ) ; and many accounts ( of which are student loans and apparently reflect negatively on your credit report, which is unfair and bogus ). 

Both of these scores are consistent and have been consistent over the past year. Just recently I had a " hard inquiry '' performed in order to see what I could afford if I sold my house and purchased a new one. My mortgage lender told me my score was XXXX, but was also very confused as to why it was so low, given my history. This score was the same for both Equifax and XXXX. I explained to him that I regularly check my report and scores and both are in the mid 700s. He explained that that question gets brought up a lot - and he isn't quite sure why there is a discrepancy in the information displayed to consumers as opposed to lenders. I've worked hard to build the credit I have and I find it misleading ; in poor taste ; and incredibly deceptive that these companies will display a higher score to consumers - but when inquiries are done, a different score is shown. I received the Credit Score report back from my mortgage lender and it sure enough showed a XXXX score from XXXX, with a bunch of derogatory things such as " too many consumer lending accounts ( student loans? Excuse me they are not too many consumer lending accounts ) '' ; or " length of established credit too short '' ( Seven years? ). I find this deceptive and frankly disgusting that you would display false information, or contradictory information to consumers, or to lenders, just to abide by whatever laws may have been published. I want this fixed, or I want an explanation as to why my credit score shows me XXXX through XXXX and XXXX XXXX ; but XXXX to lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I hold a student loan that was originally serviced through Sallie May, this loan however was transferred to Navient 2014. When this loan was taken over by Navient I was denied public student loan forgiveness which I was insured through the Sallie May loan. Formerly I was on an income driven repayment plan, however was not notified of my yearly obligation to re-certify my income. Without notice I was removed from the income driven repayment plan, I was further denied an income driven repayment plan and my student loan payments are unmanageable as the payment has increased to more than is affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used my Chase Sapphire Preferred Visa to purchase a costume from a merchant on XXXX. The costume was supposed to be a custom costume in the shape of a cup of coffee. The merchant was told 1 ) The lid of the cup needed to be XXXX XXXX 2 ) We wanted the electric fan installed as advertised and 3 ) Specific logo. During the process, the merchant had 1 ) Made the lid XXXX instead of XXXX  without authorization 2 ) Did not include an electric fan as advertised and 3 ) Put the logo on the costume crooked. When we asked them to fix it or give us a refund, the merchant refused to give us a refund or remake the costume. Their only option was to ship the costume as is. They forced me to " confirm '' prior to shipping. I only " confirmed '' that they would either send me the incorrectly made costume or keep the costume and the money. When I disputed this with the credit card issuer, they said that because I said " I confirm '' that no recourse is available to me. All in all, I lost {$400.00} on an improperly made costume that was supposed to have purchase protection by the card issuer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX College in 2008. XXXX College applied for loans on my behalf and at that time I did not understand the terms and conditions. XXXX College promised me a job in the field of XXXX XXXX, which I have never received. Upon completing the program I have been receiving bills in the mail from the loan company Navient for the past 10 years. XXXX College is known as a predatory lending scheme that I was a victim of and because of this deception XXXX College has taken a traumatic toll on my life. For the past 10 years, it is still affecting my credit and furthering my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It was a very hard time to get access to a dispute specialist over the phone. I had tried many calls to them over the course of 3 days to reach someone. FInally after selecting the credit report prompt I was able to follow to prompt to a specialist.

Once on the line with the specialist I was constantly asked the same question that I was disputing information regarding.

The specialist did not appear to want to help me the consumer but more so protect the company. The inaccurate reporting I informed the specialists I had documentation regarding she continued to ask the same question after I stated it was not correct. Finally I was given a separate link to use which also did not accept the upload of the supporting docs. 

There is an account for XXXX  XXXX XXXX that I do not have a contract of service for. This account has been placed by 2 other agencies and is now with a third and has been removed twice before. This account should have been removed and checked before placing. I should not have to work hard after the placing of the account as a specialist should have seen this account was deleted twice before and now it is being placed again now that it has been sold. 

There is a Bankruptcy reporting which has to be verified via the source and the US Bankruptcy court has noticing on the website which states they do not report to any CRA. Since all reporting has to come from the source this account is also not reported accurately as XXXX XXXX is not the source and PACER is not a source so therefor the Bankruptcy should be removed due to the account can not be verified via the Federal Court reporting the record.

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 2019-01-23 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: GA

Complaint narrative:
I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.

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 2019-01-23 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:
I have been victim of identity theft, accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordace with FCRA, fraudulent information should be block from consumer credit file. 
XXXX police report # XXXX is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: LK Manley, Inc
State: CO

Complaint narrative:
I PAID A DEBT I WAS UNAWARE OF TO XXXX XXXX XXXX XXXX FOR XXXX AND THEY REFUSED TO PROVIDE ME WITH A RECEIPT TO FORWARD TO MY SUPERIORS AND REPORTED THIS ON MY CREDIT BEFORE I HAD KOWLEDGE OF IT. THEY SENT RECEIPT TO WRONG EMAIL AND SAID THEY HAVE NO WAY OF GENERATING A NEW ONE. I SPOKE TO SEVERAL PEOPLE AT THIS COMPANY AND THIS IS AFFECTING MY SECURITY CLEARANCE

Company response to consumer: Untimely response
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
ON XX/XX/2019 AT XXXX AMERICAN EXPRESS CONTACTED MY NIEGHBOR NEXT DOOR AND REQUESTED THEY CONTACT ME RELATED TO MY ACCOUNT. THE NUMBER THEY CALLED WAS XXXX. THE PERSON CALLED FROM XXXX AND ADVISED THIS WAS A DIRECT LINE TO HIM. THEY INFORMED MS XXXX XXXX IT WAS IN REFERENCE TO MY AMERICAN EXPRESS ACCOUNT. I HAVE NEVER DISCUSSED ANY ACCOUNT WITH MS XXXX NOR DID I EVER GIVE AMERICAN EXPRESS PERMISSION TO CONTACT A THIRD PARTY IN REF. TO THIS ACCOUNT. IF AMERICAN EXPRESS HAS WRITTEN AUTHORIZATIN FROM ME BEARING MY SIGNATURE I WOULD REQUEST A COPY.THIS IS IN DIRECT VIOLATION OF FEDERAL LAW AS IT RELATES TO THIRD PARTY CONTACTS. ( 15 USC1692C ( B ) ) I WOULD LIKE YOUR AGENCY TO FOLLOW UP AND CHARGE THE VIOLATOR OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Optima Advocates
State: OR

Complaint narrative:
This is about a company Optima Advocates. They told me they could help me with my private student loans. After 10 years of paying my private loans, I still owed a lot of money. ( The original loan amount was XXXX. I paid XXXXroughly XXXX $ a month on time every month, but still owed XXXX . ) This company told me it was because I had bad loans and because of that I could get my loans fully dismissed. The catch was I had to pay a huge fee upfront to this companyXXXX . This was suppose to go into a holding account and only paid to the company when my case was resolved. And they pointed to my contract that said if they didnt do what they said, I would get a full 100 % guaranteed refund of all my money. I also had to stop paying my private student loan money, which has completely ruined my credit. 

I have already made one complaint to the CFPB about this company not returning my calls or getting back with information. They did get back to me at the XXXX of XXXX but with not much information and then promised more information. I was told in XXXX and XXXX that they would answer my questions about why they charged me with such a high fee, and to clear up conflicting information about what is going on in my case. I still have not been able to get any answers. They said it could take a year to resolve my case. It has been over a year ( I signed my contract XX/XX/2017 ). And I cant get any proof that my loans have been dismissed or any proof that much has been done to justify their huge fee. They wont discuss refunding my money or answer any direct question as to why and what is going on. I spoke with a lawyer about what my rights are and if it is possible to sue them. I told them so, and Optima Advocates said their lawyer would get back to me. But no one has. I call them regularly. And so far have not been able to speak to anyone who has any information other than, I will get back to you or I will have this person call you back. Again, I have no proof that this company is doing what I paid them XXXX to do, meanwhile my credit is still ruined.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-23 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: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX at Southern Oregon Credit Services advising me that I was behind on my payments. She requested that I agree to monthly automatic withdrawal, which I refused to do. However, I did commit to {$100.00} payment immediately ; she took my bank routing number and account number ( as of today, XX/XX/XXXX, that transaction has not been completed ) ; the money was never taken out of my bank account. This payment on my part was done in good faith and there was no indication to think that my relationship with Southern Credit was anything other than on track for future payments. During that conversation I also agreed to an increase to {$60.00} per month payment. I was advised that this increase in monthly payment was mandatory. I have no way of knowing if this is a true and accurate statement, but I agreed to it. The next day I was notified by XXXX XXXX that Southern Credit has reported me to the credit reporting agencies. In good faith, I had agreed to an immediate payment of {$100.00} to bring my account current, as well as monthly payments of {$60.00}. The tactics used by XXXX at Southern Oregon Credit Services were deceitful in that she accepted my {$100.00} without informing me that there was a problem beyond that. It was my understanding through this conversation that my {$100.00} payment would be accepted and my {$60.00} payments would begin immediately. Now that she has added a collections report on my credit standing I am unable to move forward credit-wise for 7-10 years. I believe this was done out of spite because I wouldnt allow Southern Credit to access my bank account on a monthly basis. I made my {$100.00} payment in good faith. I do not feel that Southern Oregon Credit was being forthright in their attempts to collect this debt. I am making an effort to pay off this debt, but am requesting that the negative information on my credit report be deleted. Southern Credit also called me at my place of work stating that this was the last number they had for me ; that is not true ; they have my cell phone number as that is how we have communicated in the past. I would appreciate your assistance with this situation. Thank you.

Company response to consumer: Closed with explanation