vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: IL

Complaint narrative:
Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CT

Complaint narrative:
Hi Experian / XXXX  / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the Regional Manager XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now!

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from Experian and XXXX. Thank you and happy new year

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 2021-01-15 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:
Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The 2nd repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXXXXXX XXXX XXXXXXXX

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 2021-01-15 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:
Greetings, I completely paid off my car note, but all 3 credit reports still report the wrongful repossession. The XXXX repossession should be removed but its still being reported after it was promised to be removed by XX/XX/XXXX. 

Previous Case XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with monetary relief Company 's Response Thank you for bringing your concerns to our attention. According to our records, you executed the attached simple interest retail installment contract on XX/XX/XXXX for a XXXX XXXX XXXX reflecting a payment amount of {$280.00} for 60 months. The contract went into default when you failed to make payments in accordance with the payment schedule, and when the vehicle was impounded due to unpaid parking violations. On XX/XX/XXXX, we received a notice of impound from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX informing us that the vehicle was impounded on XX/XX/XXXX, and that we had 21 days to recover the vehicle to prevent the vehicle from being sold at a lien sale. As of XX/XX/XXXX, the vehicle had not yet been recovered by you, and to minimize any further daily storage charges of {$35.00}, we retrieved the vehicle from the impound lot on XX/XX/XXXX. In order to retrieve the vehicle, we paid {$520.00} in towing and storage fees to the impound lot. We reviewed the XX/XX/XXXX interaction between you and our representative, and agree you advised us of your intention to recover the vehicle from the impound yard. Therefore, we are refunding the {$470.00} repossession fee assessed to your account. We recommend that you allow 5-10 days to receive the refund check. Additionally, we have requested that the Consumer Reporting Agencies ( CRAs ) remove the repossession indicator from your credit profile. Although we have made this request electronically, it is our understanding that it can take the CRAs up to 45 days to make the change. Finally, we are not able to restructure your contract to lower your monthly payment. This is because, as an indirect lender, we generally are not licensed to offer loans directly to the public so we can not offer refinancing. If you wish to refinance, we recommend that you explore your options with another lender such as a local bank or credit union. We appreciate you taking the time to write and provide feedback to us. By sharing your experience, you help us identify areas that may need correction or improvement, which will allow us to continue to strive towards providing extraordinary care to all of our customers. Thank you. 
MONETARY RELIEF AMOUNT {$470.00} Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX i spoke with a manager at commonwealth informed him this was a fraud account and im disputing it and wanted account removed from my credit bureau. I also requested all documents from hospital to support this debit. I filed a complaint with the cpfb also on approx XX/XX/XXXX a XXXX XXXX responding to that complaint and lied in her response she stated all proof of debit and supporting documents where sent to me on approx XX/XX/XXXX all i have ever received was an initial collection notice no proof of debit or documents that I requested instead this company placed this account back on my credit bureau without addressing my dispute or providing proof of debit. Both these actions by this company and XXXX XXXX are illegal and violations of the FDCPA. I also received three collection calls on XX/XX/XXXX even after leaving sevral messages over the last few weeks for XXXX XXXX which i never received a call back. Im asking the CPFB to fine and sanction commonwealth for unfair collection practices and violations of the fdcpa. Im also going to file a complaint with the Arizona attorney general 's and hire an attorney to sue common wealth, XXXX XXXX, the manager whom never sent me my proof of debit and the collection rep feom XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
My home mortgage was transferred from XXXX  XXXX to BSI financial services in early XXXX. I made my XXXX mortgage payment to XXXX XXXX  before I was notified about the loan servicer change. Shortly after I was notified, XXXX  XXXX confirmed that they would send my XXXX mortgage payment to BSI and BSI confirmed that they would mark my account to ensure it would not show as delinquent and BSI also informed me that there was a 60 day grace period on mortgage payments after a loan servicer change. Despite this, BSI has marked my account as delinquent and my credit score has dropped significantly as a result. Ive submitted a dispute with BSI, but they obviously do not have proper internal controls in place and thus are not following federal law. Please note that this is an issue with BSI, not with XXXX  XXXX. Ive had only positive experiences with XXXX  XXXX but BSI is clearly a second rate operation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: LA

Complaint narrative:
Experian is reporting inaccurate information from XXXX XXXX XXXX to my credit file. I have previously dispute on XX/XX/2020 for this account. I have never done business with them. I received a cease and desist letter from them via mail for filing a complaint on CFPB. This company fail to verify in any way that this account belongs to me and it is really tarnishing my credit file with them constantly reporting inaccuracies to my file.

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 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, I called Chase Bank to dispute a {$1000.00} paid in XX/XX/2020 to XXXX XXXX  Academy for a XXXX course for a XXXX exam ( Step XXXX XXXX ). In XX/XX/2020, the exam was canceled for XXXX months due to COVID. I tried to deal with the company to obtain a refund, which they refused. 

I proceeded to file a dispute with Chase bank. They provided a temporary refund of {$1000.00} and did an investigation. I lost the dispute, Chase citing in a letter that " the transaction was processed correctly. '' This is not what I am disputing, and I can not use the service. Therefore, I should be eligible for a full if not partial refund. 

I called Chase to clarify, and they said I lost the dispute because I was " out of 120-day recovery timeframe. '' I was not told that when I initiated the dispute. When I questioned the representative about this and the letter I received not addressing my dispute properly, she said it is a generic letter and could not explain why I was told that there is a 120-day limit to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CT

Complaint narrative:
Hi XXXX  / Equifax / Cfpb Mgr ; ******SEE ATTACHMENTS******** Im a little confused and shocked how is this investigation for XXXX  listed below taking longer than expected to be resolved. Im in the process of buying a house, and this is literally holding me back. Please see the attachments for the chain of a conversation I been having with the XXXX XXXX XXXX XXXX since XX/XX/2020. I settled and paid off this account and I was promised base on the emails that the company will expunge or delete this account from my credit report. 

Ive attached, emails, track number, copy of the check, proof of deletion, etc but its still reporting on my credit report. Also, its reporting incomplete, and with misleading information including balance, date of last payment, date of last active, etc these are all wrong and questionable and its in violation. It is crucial that you report this account 100 % accurately and conduct a reasonable investigation. Its been more than 90-120+ days now! 

Basically, I want this account permanently DELETED from my credit report effective immediately. It already has been deleted from XXXX but I need it removed from XXXX and Equifax. Thank you and happy new year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen mortgage was recently taken over by PHH mortgage on XX/XX/XXXX ... and unfortunately, our previous mortgage company sold our account to them. XXXX has been rough on many people..us included. 

In the early part of XXXX PHH Mortgage, formally known as Ocwen, sent us a refund check for an overpayment of our escrow account. Because we are grieving a loss of a teenage child, we weren't opening our mail consistently. Our bill payments and such were just on autopay and basically, we were dialing it in while we mourned. We finally got around to opening our mail and saw the check and attempted to cash our refund check on XXXX XXXX XXXX. PHH Mortgage, formally known as Ocwen refused to honor the check on XX/XX/XXXX and we received a chargeback from our bank due to the date being stale-dated and returned. 

I phoned PHH Mortgage to have them resend the check. I have phoned them once a week for 3 weeks, and they still have not re-issued my overpayment check. The first time I called, was on XX/XX/XXXX. The customer service agent claimed she had all the information she needed after I gave her the returned check number and date. 

A week goes by and I call back on XX/XX/XXXX. The check still has not been sent out. This time, the customer service agent who assisted me, stated that the previous customer service agent did not put the date on the check ... 

The third call was today, XX/XX/XXXX. This time the customer service agent that answered said the check was not reissued because it had already been cashed! 
The call was escalated to XXXX ( customer service ID XXXX ). After the call, I contacted XXXX XXXX XXXX who verified that Ocwen or PHH Mortgage would have been notified that the check had NOT been paid and had been returned. 

On XX/XX/XXXX, I also filed a complaint with the XXXX  of New Jersey against PHH. 

On XX/XX/XXXX at XXXX 's request ( the escalation manager at PHH XXXX ) I sent a letter that XXXX XXXX XXXX sent us in regards to the returned, stale-dated check. 

On XX/XX/XXXX I called to follow up since PHH failed to inform me if they had indeed received the XXXX XXXX XXXX documents XXXX ( XXXX ) requested. I was told they had. 

On XX/XX/XXXX XXXX ( XXXX ) called to tell me that the escrow check would be reissued and some time the week of XX/XX/XXXX. 

On XX/XX/XXXX, PHH sent a secure email to state that the escrow check would not be re-issued because it had been cashed ... all despite having received documentation from XXXX  XXXX XXXX on XX/XX/XXXX. 

I have attached XXXX XXXX  XXXX documentation as well as the XX/XX/XXXX PHH message that denies the request to reissue the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I want to complain about Citi mortgage service. 
I applied for refinance back on XX/XX/XXXX. However, it still hasnt been closed now ( Today is XX/XX/XXXX ). so Its been 6 months without closing. The due date and rate lock due date shows on their website is a joke!!! The date was postponed 3 times until now. I was asked to submit some documentation on XXXX XXXX but after that I havent heard anything back from them. I tried to directly email, call the loan officer, associate, assistant that used to have communication with me. but I got nothing. no email reply. thousands of voice mail, but no picking up. Finally the loan officer gave us a call on someday XXXX, XXXX, but the conversation didnt help at all, just let us keep waiting. 
I am also a XXXX customer, and the customer service also doesnt help at at all. They just redirected me to the mortgage department. and speaking of mortgage department, its the worst customer experience I have ever seen. Not only because I was treated rudely, also not helpful at all. I called them for any solutions. Guess what they proposed. They told me to cancel the mortgage. Excuse me, if I want to cancel the mortgage, why would I waste time calling you? 
Today I got an email form them to provide some updated docs, but the mortgage is still pending underwrite. I emailed back and ask for them to give me a call back. but again. I was ignored. 
I do appreciate the competitive rate they provide, but Im actually losing money if I keep waiting for close. 
I really want to type the name of the loan officer and associate here, but it will be against the rule.

Im really exhausted working with Citi at any point. I just wish the mortgage can be closed soon. If they postpone the due date again, Ill definitely consider canceling it. So disappointed.

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 2021-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: UT

Complaint narrative:
XXXX XXXX is reporting two public records ( bankruptcy ) on my report which i have even sent in a letter to them saying that the court house does not disclose or release information to these companies,

Company response to consumer: Closed with explanation