vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
As a formal inquiry into the case of the United States v. Toyota Motor Credit Corp. ( XXXX. XXXX. ) Which came to my knowledge about six months ago. I feel as though I have been one of the victims of Toyotas ill practices. I am writing this letter to restrain advantages taken upon me being that I am older and of minority descent. In XX/XX/2014 I financed a brand new XXXX  XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXXXXXX, XXXX located in XXXX, NY. I believe I was unknowingly taken advantage by Toyota since I am liable for, in total, XXXX for a vehicle which at the time costed {$35000.00}. I ponder upon the fact that Toyota knowingly inflated my interest rate because of my ethnicity. I don't think this is fair as I, like many others, is a hard working individual. It is frightening to think that a big corporation such as Toyota would take advantage of individuals of minority such as myself. I would greatly appreciate some feedback on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: NCC Business Services, Inc.
State: NY

Complaint narrative:
To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Coast to Coast Financial Solutions, Inc.
State: VA

Complaint narrative:
I have applied for a mortgage loan with the XXXX XXXX XXXX XXXX XXXX and they are requesting that a collection item on my credit report for {$280.00} reported by Coast to Coast XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX be disputed/resolved before I can close on my loan. I attempted to access my credit reports through XXXX. I was able to access the XXXX  and XXXX   sites but I could not access the XXXX site. The fraudulent item was not on the two sites that I could access so it must be on the XXXX  site. I have attempted to access their site with no luck. The phone number on the site only allows you to order the report through the mail which I have done but it can take up to 15 days to receive and not sure how I will be able to dispute the item if I can not access online? They are reporting fraudulent activity on me and I can not access their site to resolve this issue. This is holding up my mortgage loan and I am reporting XXXX   and Coast to Coast to the CFPB to have this fraudulent item removed from my credit report and be able to close on my mortgage loan.

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 2019-01-10 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: FL

Complaint narrative:
I recently submitted a request for investigation of a XXXX Acct XXXX # XXXX, which yXXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your XXXX system, they would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX  provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.

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 2019-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Account # XXXX I do not owe this debt. I have never heard of this company before. I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a complaint regarding : It has come to my attention that lenders must be licensed by the State of Florida in order to offer loans to its residents. This company has no license in my state, the loan contract is not valid. 
On XX/XX/XXXX, I received {$600.00} from Big Picture Loans. To date, I have had 8 bi-weekly withdrawals of {$140.00} debited from my account. I have paid a total of {$870.00}, of that XXXX in interest and {$55.00} in principal. This is {$270.00} over what I was originally loaned and should more than satisfy my obligation to the company. I am no longer able to make any more payments to this company. 
On XX/XX/XXXX-The company responded telling me they were not subject to any state laws and : Our records indicate that your current balance is {$810.00}. This includes the Principal Amount of {$540.00} plus the Finance Charge of {$260.00}. Please review and assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SHABANA MOTORS
State: TX

Complaint narrative:
This is an addition so they can plant a file a while back stating that Shabana motor was having me over pay for my vehicle and they repossessed it, I found the transaction receipt that I was looking for at the time when I filed a complaint on this transaction receipt dated XX/XX/2018 it clearly states that at the time when I made a payment the remaining balance on the loan what's {$9700.00} in the time between XX/XX/XXXX in XXXX I made a total of 6 monthly payments each monthly payment was {$480.00}, that's a total of {$2800.00} so that should have left my remaining balance at at {$6700.00}, but Shabana Motors still has me owning {$8900.00} it doesn't make mathematical sense and it's incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have a Foreclosure Lawsuit pending under Mortgage Fraud against Lakeview Loan Servicing LLC., in which is not a licensed Mortgage Company and had their partnership Company known as XXXX  XXXX XXXX to write an Fraudulent Mortgage Agreement/Contract under XXXX XXXX, in which now XXXX XXXX  is now stating that their Company never wrote the so called Mortgage Contract in which these Documents are being Subpoena. Lakeview Loan Servicing LLC. is a scam company and this has to be investigated. I have the evidence to prove this, not only in Court, but with your Bureau as well. Case No. : XXXX is the case number and please contact me at XXXX to talk to me so we can get this investigation started. I can provide your Bureau as much information as you need from Subpoenas to Court Exhibits. 
Please call me. 

Thank you, 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 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Visited website in XX/XX/XXXX, the same day I opened the account for a Citi  DoubleCash Card. I signed up for a promotion for XXXX cashback after spending XXXX in the first 3 months.the url I went to was as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this was pulled from my XXXX history and can be verified as needed ) the offer on their website was XXXX dollars cashback if you spend XXXX in the first three months. I contacted them at the beginning of XXXX as it had been over 3 billing cycles. They said " I didn't click on the promotion '', and that they would investigate it. They sent me a letter stating I didn't click on it. LITERALLY THE ONLY REASON I OPENED THE CARD WAS FOR THIS OFFER. I called back on XX/XX/XXXX and was transfered around for over 2 hours, as well as hung up on twice. I finally got a hold of a manager that said they " didn't have historical data for promotions to confirm my story '' and that I was out of luck. I told him that I could show them the link I clicked on with documentation that I actually visited it and they responded with " what is the URL going to show me ''. I told him that the page redirected me after clicking on the offer and he said that couldnt possibly be the case. I also have evidence to show that is what happened. I took down the Managers name and ID and told them I would be contacting the CFPB. I attached proof of the page that I visited the website as well as the inspection of the url showing that I went to that offer.

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 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Oklahoma Student Loan Authority
State: FL

Complaint narrative:
I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department of Education/ OSLA. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The Department of Education never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the Department of Education to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the Department of Education/ OSLA , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
opened an account with Capital One with offer code XXXX -- the terms was to deposit at least {$50000.00} in new money, with NO cumulative balance required ( copy of terms attached ). I fulfilled this requirement, and confirmed with Capital One representatives that I had completed the requirements. The representative confirmed, and told me I just needed to wait 60 days from completion and the offer would be posted ( confirmation attached ). I have not received the bonus payment even after the required wait period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was not planning on reporting this- but when I saw my review online, The XXXX XXXX -XXXX- Credit Card had HUNDREDS of horror stories on the website under the 1-star reviews. So I felt obligated to report this card - because at best it is literally useless, at worst, it is fraudulent and costing consumers hundreds of dollars in fees and interest. They should be stopped. 
In my case : They only gave me a {$500.00} credit limit. I make a very comfortable living on my own, and with my husband, we are, well off, making about $ XXXX per year. My credit rating is over 800. My other credit cards have either no limit or a limit of >XXXX ( on which I do not carry a balance ), yet this silly little store credit card only extended me {$500.00} of credit - even though they could see from my XXXX purchase history that I buy that much in one sitting on a regular basis! And, then I can almost never use it for any purchases after the 1st time, because the limit was reached instantly after the first purchase. I immediately set up online payments, but still kept getting denied all purchases 2 days after placing XXXX orders with this card, making all my deliveries LATE!!! Making the use of this credit card impossible before the payment was due / payment credit was recognized. It has literally taken them 30 DAYS to credit my account with direct electronic payments from my XXXX XXXX   account to them. 
In anticipation of future XXXX purchases, I even tried to pay the balance off IN ADVANCE and I tried over paying, the credit card company would debit my bank, show the payment and credit my balance, but NOT CREDIT MY Credit so that when I went to use it, my card would say my balance was XXXX but my available credit was still only $ a few dollars or something. So I could not buy anything that cost more than $ a few dollars! 
Its a total scam. 
Awful and frustrating card. 
I called their customer service line and they were no help. They said after the first month it would get fixed. That it was just until my account and bank account was established??? But its still the same and now some of my XXXX gifts and subscribe and save orders that went on that XXXX Credit Card that set up as my default card were late and useless. 
I also tried and requested a credit line increase and was denied. 
So, buyer beware. 
The link below should go to the Synchrony Bank XXXX XXXX XXXX website comments page. 

https : 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