vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX. My lease matured in XXXX XXXX, so before the maturity date I contacted Lexus Financial Services and asked for 6 months extension. The rep took down my request and told me I should be notified shortly weather my extension was granted. I called a few days later and the customer service told that he could not see it but if I saw that a payment for the next month was available that meant that the extension was granted. I logged in into my LFS account and a payment for the month of XXXX was due. I made the payment and was under the impression that the lease extension was granted. The next payment notification came in XXXX so I paid it as well. A few days after the XXXX payment at XXXX XXXX in the morning a tow truck with two beasts gets inside my property and tows away my car. I get confused thinking it is a theft. I tried to get my stuff from the car to make sure it was not a theft, one of the beasts blocked me and they took off. I called the police department and was advised that it could be the financial services. I got doubtful because I knew I had made the payments. I called LFS they apologized and told me that the extension was never granted. I called another time just to pose a question weather they made a mistake or they really acted in compliance with the California laws. I asked them if the lease is past the maturity date and the extension is not granted are they supposed to accept further payments, and their answer was NO. A month after the incident they sent me a a letter thanking me that I returned the vehicle to XXXXXXXX XXXX which I did not and that the vehicle had excess mileage/and wear as defined by my lease agreement or I had some unpaid charges, or both. The the statement reads I owe them {$2400.00}. I called them again and told them that my vehicle had excess mileage but not in excess of XXXX miles which I paid in the two extra payments that I made after the maturity date. They had no answer but to insist that the amount was due and that it need to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
Requesting a new investigation and dispute re-insertion on credit report with XXXX and Ad Astra. I previously sent a Letter for a pay to delete settlement request on XX/XX/XXXX via certified letter for Account Number : XXXX to collection agency reporting as AD Astra for Original Creditor : XXXX XXXX XXXX as Listed on Credit Report : {$650.00}. Terms listed in letter attached were if payment were to be cashed and or deposited agency agreed for pay settlement sent to delete off credit reports. If agency did n't agree to terms to send payment back immediately to sender with counter reply. I did n't receive any letters back or an counter dispute and my money order was cashed. I disputed with all three credit agencies and they Were removed immediately and considered closed and settled with the letter and proof provided to XXXX and XXXX. XXXX is currently pending investigation as of XX/XX/XXXX. Now as of XX/XX/XXXX checking reports I noticed XXXX has reinserted Ad Astra noted as Open with reporting date XX/XX/XXXX. The Ad Astra collection agency restarted reporting date on XXXX. I have not been notified by XXXX nor by the Collection agency which states If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Both are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately on all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, Transunion, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XX/XX/XXXX. 

None Account Inquires -XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX ( XX/XX/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 2017-09-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
OnXX/XX/XXXX I wrote Equifax a letter regarding an inaccurate collection account, XXXX XXXX XXXX XXXX see attached file ), account number XXXX, that they are reporting on my credit report. As of today, Equifax has failed to properly respond to the dispute and provide verification for the account. I filed the same dispute for the same XXXX XXXX XXXX account with XXXX and XXXX, both Credit Bureau 's deleted the inaccurate collection account from my credit file ( see attached file ). Equifax responded to my dispute by mailing a letter datedXX/XX/XXXX stating their dispute process ( see attached file ). They failed to respond within 30 days with the status of the dispute results and verification of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I received a letter from Credit Management in XXXX XXXX Ne, it was dated on XX/XX/XXXX and received the letter on XX/XX/XXXX, I called on XX/XX/XXXX to Credit Management requesting the documents of the statements of the charges happening sometime in XX/XX/XXXX and advised that I would like to have those sent to me so I could look and compare my bank statements and that the address and name is incorrect provided the correct information and then the rep gave me about 5 different dates and asked when did the credit management sent me out any information the listed off dates that they contacted me on phone but I never received any communication from them other that 1 year prior and called them and requested the same statements so I could verify the charges and if I paid them, I never received those the prior year, and the informed them how is that my fault when I never received the correspondents to review. I in the mean time contacted XXXX XXXX and they advised that they did n't have a outstanding balance and the XXXX hospital contact person never returned my phone call. I finally received the statements that I requested on XX/XX/XXXX with correct mailing address but incorrect last name, I was able to verify that the first charge that they were requesting was paid in full in XX/XX/XXXX by garnishment. the second charge was vague information and placed a call into the XXXX hospital and they returned a call today XX/XX/XXXX and that was verified that was not paid. made the payment to the Hospital and received a certified letter from Credit management today XX/XX/XXXX they placed a summons to my county court for that amount of both and explained that the first one is paid back in XX/XX/XXXX and the hospital was paid today and they stated to me that they will place a request in to XXXX XXXX to clarify and show payment and that the hospital one would need to be determined but I still owe them their attorney fees but I advised that the one was already satisfied and other paid and hospital did n't advised me to pay the credit management. and represented stated that its being submitted for review but filing fees was my responsibility. at no time or on the first statement they sent out did it give amount of time or on the documents that they sent out to me did it have you have xxx amount of days to pay the amount due or it will be pursued to court. Am I obligated to pay the court filings even tho 1 was already paid and never updated on their end and the second one was taken care of as soon as I received the information that I requested. oh this was all over XXXX which was safitifed back in XX/XX/XXXX and the other was XXXX and filing fees are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

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 2017-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in XXXX, recently one of my XXXX friend who lives in XXXX agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an XXXX ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks

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 2017-09-27 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: IL

Complaint narrative:
I have disputed and requested to have an item from the XXXX Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with Experian, and have received notice from each that the item was verified, is correct and can not be removed.

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 2017-09-27 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: TX

Complaint narrative:
I filed a dispute on a charge XXXX ( XXXX ) made for {$380.00}. rather than the monthly amount of {$38.00}. I sent Citi a detailed notice and explained that XXXX charged for a whole year of service rather than the monthly amount which Ive paid that way for over 12 years. As Citi was taking its time to handle the dispute, I sent Citi payment to cover the amount of time used at XXXX. In the mean time Citi co-mingled the dispute I had with Home Depot ( who didnt make a credit on a refund even when I had the refund receipt ). The Citi sent me a letter stating the dispute with Home Depot was resolved in my favor but put the amount the dispute with XXXX was for. I sent them a letter requesting they clarify that resolution letter. They did nothing. Ive called them several times and sent them what they needed. However, they havent sent me anything in writing for some time or tell me the status of the dispute with XXXX. When I call them, they give me the run around and tell me to resend everything. Ive requested to get things in writing from them but they dont respond or do it. Its gotten to the point Ive had to put a freeze on the account. When I ask for a managers name or phone number they say they dont have one. And, that they will have to handle it in the order it was received. It was received four months ago and was never handled. They said they couldnt expedite this and do n't have a phone number for their expediting office. Theyve admitted they co-mingled the disputes but arent willing to do anything about it. They simply are just incompetent and when its brought to their attention, it starts all over again.

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 2017-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
inaccurate info equifax and people credit, XXXX violates my hippa cra rights please remove them asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has been calling me and somehow they now have gotten the numbers of my family members and are HARASSING THEM with constant calls. 
1 ) The name of the person they are calling about is under my maiden name, which was changed SEVERAL years ago ... yet they know enough to reach out to my husbands family? 
2 ) I do n't have any debts to my name. 
3 ) When I called them they tried to verify my name and a ) verified it wrong ... then tried to verify my birth year and had it wrong. 

I need them to stop harassing my family.

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 2017-09-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Equifax, XXXX, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. XXXX, XXXX, and Experian are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: IL

Complaint narrative:
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

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 2017-09-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27 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: IL

Complaint narrative:
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

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 2017-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO ORDERED APPRAISALS FOR OUR MORTGAGE ON OUR BUSINESS PROPERTY WITHOUT OUR KNOWLEDGE AND WE DID NOT RECEIVE COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY AND ASKED FOR A PAYOFF. WELLS INCLUDED " APPRAISAL FEES '' FOR {$5300.00}. WHEN WE QUESTIONED THESE FEES THEY RESEARCHED THEIR FILES AND FOUND OUT WE HAD PAID {$2000.00} OF THESE FEES. WE WERE GIVEN A CREDIT FOR {$2000.00} AND WE WERE TO RECEIVE {$3300.00}. BUT XXXX CHANGED THE INTEREST THROUGH AMOUNT FOR THE SAME DAY X/XX/2017 FROM {$480.00} TO {$480.00}. WE WERE REFUNED A CHECK FOR $ {$3300.00}. PER OUR CONTRACT WITH WELLS AND THE EQUAL CREDIT OPPORTUNITY ACT-REGULATION B, WE WERE NOT GIVEN COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY IN 2017, WHICH WAS YEARS LATER. PER THE DODD-FRANK ACT THE APPRAISALS FOR OUR PROPERTY WHICH WAS IN A HIGH RISK LOAN ACCOUNT DID NOT INCLUDE A VISIT OF THE INEREIOR OF THE DWELLING.

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 monetary relief