vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened a year long cd with Marcus from Goldman Sachs, one of several. When a CD matured the month prior, I received an email from Marcus 30 days in advance warning me that it would renew so I called and closed it as I always do. When a CD with a large amount of money was set to mature at the end of XX/XX/XXXX I did not receive a warning email. Instead, on XX/XX/XXXX, I received an email congratulating me on renewing the account. I called to complain and was informed that I had missed my 10-day grace period ( the account had renewed on the maturity date-XX/XX/XXXX- but Marcus waited until 3 days after the grace period to inform me about the renewal ). I said I had never received an email that the cd was set to mature as I had in the past and the agent claimed it had been mailed to me, even though my settings were for notifications by email. The agent refused to budge and told me to close the account would incur a more than XXXX dollar penalty fee. I have no record of receiving the maturity notification letter, but it shouldnt have been sent to me by post regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: IL

Complaint narrative:
After reviewing my credit report I noticed several unauthorized accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I recently found an inquiry from Toyota dealership that ran my credit! I verbally asked them not to run my credit because of the fact that I did not want a hard inquiry and obviously have my points go down! Nevertheless they went ahead without my permission and still ran my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX Card will not allow sign ups from XXXX ( .ca ) e-mail addresses This amounts to discrimination based on country or origin. Changing my XXXX ID is not a reasonable option because so many other things are based on this ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
There is an inquiry from Regions Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. 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
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have a mortgage with Ditech Financial on my residence purchased in XX/XX/XXXX. I declared bankruptcy in XX/XX/XXXX however remained in the property and made my payments as agreed.

As a XXXX   I was called back to XXXX XXXX on XX/XX/XXXX for one year. I notified Ditech about my XXXX and this would effect my ability to make payments. I provided Ditech a copy of my XXXX XXXX which they acknowledged receiving.

Ditech proceeded to foreclose on the property and has handed the property over to XXXX XXXX ( XXXX  ) XXXX, and ( XXXX  ) XXXX to proceed with foreclosure. I am requesting they stop the foreclosure proceedings allowing me my protections under SCRA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
There is an inquiry from Sync B/Lowes on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. 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 non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Case XXXX I was scammed by a credit repair company between XX/XX/XXXX and XX/XX/XXXX, and I filed a claim with my financial institution -TD Bank -- in XX/XX/XXXX. I wanted to ensure that justice was served cause I was undergoing an urgent crisis when I BORROWED MONEY to have this company clean my credit. So I filed a claim and submitted everything ( almost 30 pages worth of material ) to the bank with all proof including corresponding emails, electronic receipts, everything.

I was completely unaware that they would issue a provisional credit. But I was confident that there would be no errors since it was crystal clear what had occurred. Not only did I receive a mail letter stating that they received nothing from me after I wasted my time at a local branch to fax all these pages.But I submitted these documents for a second time only for TD Bank to mail me another letter on XX/XX/XXXX stating that " Based on our investigation, we have determined that an error did not occur. The reason for this decision was based upon the following : You must resolve this matter directly with the merchant. ( If your account was previously credited, it will be reversed on XX/XX/XXXX ( including any fees and/or interest that were also credited ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: NY

Complaint narrative:
I see a hard inquiry in my Equifax credit report made by XXXX which i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
There is an inquiry from SyncB on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. 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
Consumer complaint received 2019-08-13 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: KS

Complaint narrative:
I have several inquiries on my credit report by the same bank multiple times. This was NOT authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached.

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. 

ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XX/XX/XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

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 2019-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Good afternoon, Thank you for your time.

I leased a car from Mercedes Benz.

The release was paid in full at the beginning of the contract.

When I returned the vehicle there were no other funds due. MB claims to have identified damage and charged me an additional {$620.00}.

They sent numerous notices to an incorrect address.

When I became aware of the debt, it was in collections with Mercedes Benz Financial Services ( MBFS ).

I called them immediately and we settled on paying {$400.00}. They were to send me the info where payment was to be made. They did not.

I called them again after receiving another notice.

I made payment over the phone, with MBFS for the full amount on XX/XX/19.

MBFS has continued to send me threatening letters with language such as " final notice '' letters without a response that notify me that you " have attempted to resolve this matter amicably ''.

When I contacted them yet again, they had not record of the {$400.00} payment and wanted me to pay the full {$620.00}.

I stated that I would send proof of the payment and sent them a portion of my bank account statement showing {$400.00} being credited to MBFS.

Yet they continued to call and state that I owed them {$620.00}.

I asked what did I have to provide as proof that payment was made in full.

They stated that they wanted my complete bank account statement, specifically all pages. I found this odd since they could check back to their account to confirm payment. It seemed fraudulent.

I sent them the information anyway but redacted vital info but they still have not acknowledged that the debt was paid and verbally stated that they refuse to send me a letter or email stating in writing that my debt has been paid.

MBFS has behaved in a harassing manner regarding a debt that may have been fabricated but was paid nonetheless and will still not recognize that the debt was paid and will not provide written confirmation. It makes me very nervous that something fraudulent is transpiring with this company.

Thank you again for your time and attention

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This has been going on since the entire year of 2019 I would pay my mortgage the checks would be cashed but not applied to my account I have had to call PHH Ocwen Mortgage Company just so I can get my payments applied correctly I had to do all the legwork send them front and back copies of the checks if they can apply my payments correctly they're getting a bad mark on my credit report which I am trying to rebuild

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Someone used my name and got {$590.00}. At Check Smart. In XXXX Ohio. I did not receive anything from this company. Just a phone call last week.from XXXX. From a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I CONTACTED TRANSWORLD SYSTEMS INC REGARDING MY ACCOUNT WITH THE DOD XXXX/XXXX XXXX XXXX. i ADVISED THEM THAT I NEEDED TO DISPUTE THE DEBT AS I WAS NOT ABLE TO MAKE PAYMENTS DUE TO ME NOT BEING AVAILABLE TO HANDLE MY ACCOUNT. I INFORMED THEM THAT I WAS XXXX XXXX AD NOT ABLE TO TAKE CARE OF THIS ACCOUNT ALONG WITH BEING XXXX XXXX I WAS ALSO IN A NON PAY STATUS WITH THE XXXX I ADVISED THEM THAT ALL MY PAYMENTS WERE MADE UNTIL I GOT ORDERS TO MOVE AND I COULD NO LONGER HANDLE THE ACCOUNT I ALSO TOLD THEM I DIDNT HAVE ANYONE THAT COULD TAKE CARE OF IT FOR ME AND THAT I NEVER MISSED A PAYMENT PRIOR UP TO MY XXXX XXXX. I ALSO ASKED FOR A REPAYMENT PLAN AND FOR  THEM TO CORRECT MY CREDIT REPORT I ALSO ASKED THAT THEY REVIEW MY ACCOUNT TO GIVE A HARDSHIP PLAN NONE OF THIS HAPPENED IN FACT THEY STARTED WAGE GARNISHMENT AGAINST ME EVEN WHILE I WAS WAITING FOR A REPLY ABOUT THE HARDSHIP AND THE CREDIT REPORTING.I ALSO ASKED FOR DEBT VALIDATION AND SPOKE WITH XXXX XXXX WHO WAS VERY RUDE AND SAID THAT IT WOULD TAKE 30 TO 45 DAYS FOR THEM SO SEND ME ANYTHING IN THE MAIL. I ALSO ASKED WHAT THE TWO CHARGES WERE LABELED TSI PAYMENT SHE SAID THAT WAS THE INTEREST I WAS PAYING AT 16 % AND THAT IT WAS ALL IN THE CONTRACT I ONCE AGAIN ADVISED HER WAS DISPUTING IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I applied for the PSLF program back in XX/XX/XXXX. After countless hours spent on numerous follow- up phone calls for a year and half, I finally got my " qualifying payments '' statement. This is only after a complaint filed with the CFPB. 

On XX/XX/XXXX, a statement was mailed stating that I only made 2 qualifying payments between XX/XX/XXXX to XX/XX/XXXX. However, according to my records I made a total of 7 that should be counted towards PSLF ( see attached receipts and bank statements confirming transactions ). When I called Fedloan, the CSR told me that my first payment was due XX/XX/XXXX and since I did not make payment until late XXXX, I was late and therefore that payment and all others do not count for PSLF. However, according to my records, my first payment was not due until XX/XX/XXXX so all payments were made on time. 

The CSR told me to scan and upload all my evidence and she would file appeal. I asked her how long it could take and the response was it could take up to the same amount of time as the initial processing time- a year and a half! I told her this was their mistake and I should not have to wait another 1.5 years for a response to the mistake they made ( and I only got a response of my qualifying payments because I filed a complaint with the CFPB- it could have taken even longer if I did not file complaint ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Starting XX/XX/XXXX, I have been recieving phone calls from Capital One ( as they stated ) asking for XXXX. I have now four times, advised that this is NOT XXXX phone, they are still constantly calling. They have also called multiple times within an hour. All of which is against CFPB standards. I have been called Three times alone today, Two of the calls I answered and AGAIN stated this is not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear Manager ; I thought I had already dealt with this 30-45 days ago when I called BESTBUY CITI directly and spoke for hours with the management team in regards to this situation. The manager I spoke with mentioned and confirmed that they had the wrong address and phone number on file since the opened the account. She said because of those internal errors, she submitted a request to demand a correction on that account and refund any fees, etc. I NEVER NEVER RECEIVED ANY BILLS OR CALLS, because it seemed like you guys had wrong information in the system.

Again, I was shocked TODAY when I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a multiple payment on the date below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 for 30, 60, and 90 days late.

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought I made myself clear i never received any statements since the inception of this account and any form of communication. I was told and promised that the account was going to be re-opened, fees reimburse, and late payments removed, and new statements mail.

Again, I do ask in light of the good standing relationship we have that you remove ALL late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate.

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time.

I appreciate your help regarding this and look forward to keeping having the positive experience that I have had with you in the past. 

Thank you! 

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 2019-08-13 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There are errors in my credit report with the dates. They continue to change the dates on accounts from portfolio recovery, which I never had any debt with. I filed a dispute and the result was that dispute resolved, customer disagrees. Yet the dates are still incorrect. I was told the best thing to do is to file a claim with FCRA attorney against the FICO agency. Some of these accounts might be passed the 7 yrs and thats why they continue to update the dates.

Company response to consumer: Closed with explanation