vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have been leasing cars from Toyota Financial for the last ten years. I have never had any plate payments. Last XX/XX/2018, Toyota Financial inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called Toyota financial to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to Toyota Financial explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: Receivable Solutions Specialist, Inc.
State: CA

Complaint narrative:
I was told if I paid the collection amounts in FULL, that the creditor would remove the collection accounts from my credit report. I paid the total amount in full on XX/XX/18 in the amount of {$630.00}.

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 2018-10-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Both companies had charges that I did not authorize nor I was in the stores making in person purchases. 

1. Bank of America {$450.00} in purchases that I did not approve. ( Child support government account ) Bank of America came back with a conclusion that I did indeed make the purchases and refused to refund me the money without further investigation.

2. XXXX XXXX Credit Card {$150.00} worth of purchases in XXXX XXXX not authorized by me. Compliant was made to the credit card company who is now looking into it and will write back in 15 days with their investigation outcome.

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 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
XX/XX/2018 I sent a dispute letter to the party saying I owe them a debt to provide me proof they have not provided any proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I am disputing the accuracy of the information Trident Asset Management LLC is reporting to my credit file with all of the three major credit bureaus ( XXXX, XXXX, XXXX ). Trident is reporting a collections account as " verified and accurate '', yet have FAILED to respond to my dispute letter, violating my consumer rights under FCRA. 

I mailed Trident Asset Management LLC a Certified Dispute Letter, # XXXX. However, the letter was returned to me as " Undeliverable '' ( copy of front and back side of the unopened, returned letter attached, as well as, an online notice from USPS indicating an attempt was made to deliver the Certified Letter on XX/XX/XXXX, but were unsuccessful ). Apparently, the contact information Trident Asset Management LLC provided on my XXXX  credit report is INACCURATE. Whether Trident provided inaccurate contact information deliberately ( there have been other consumer complaints regarding this already ), I can not ascertain, but what I do know is that Trident is suppose to provide correct and accurate contact information so that I may exercise my consumer rights to dispute any information they are reporting to my credit file with XXXX, XXXX and XXXX. They are now in violation of Section 609 of the FCRA and I am requesting they delete this collections account from my credit file with all three credit bureaus ( XXXX, XXXX and XXXX  ). 

Please also note that I NEVER received a 30 Day Notice to Dispute this Debt from Trident BEFORE they started reporting this collections account to my credit file with XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: ID Analytics, Inc.
State: AL

Complaint narrative:
I HAVE ATTEMPTED TO CALL SAGESTREAM CREDIT REPORTING COMPANY FOR 2 DAYS, AND IT GOES DIRECTY TO VOICE MAIL WHEN YOU ENTER OPTION 1. I XXXX THE COMPANY AND ITS ON " RIP OFF '' WEBSITE, THEREFORE I AM NOT SENDING REQUIRED INFORMATION TO THE COMPANY AND NEED TO SPEAK WITH SOMEONE ABOUT AN ERROR ON THE REPORT THEY HAVE. I ALSO XXXX  THAT THEY HAVE LESS THAN 25 EMPLOYEES?? HOW COULD THAT BE WHEN THEY PROVIDE REPORTS FOR DIFFERENT COMPANIES ALL OVER THE COUNTRY. THEY HAVE 89 COMPLAINTS SENT TO THE XXXX  IN CALIFORNIA. WHEN YOU CALL THERE IS NO OPTION TO WAIT FOR THE NEXT REPRESENTATIVE. I HAVE A VERY BUSY SCHEDULE AND DONT WANT TO BE CALLED BACK AT THEIR CONVIENCE, I NEED TO CALL THEM AT MY CONVIENCE DURING THEIR BUSINESS HOURS. I WANT THE CFPB TO CALL THE NUMBER OF THE BUSINESS AND THE ATTORNEY GENERAL OF CALIFORNIA AND SEE IF THEY CAN TALK TO A REPRESENTATIVE. IF THE COMPANY CAN NOT STAFF THE PHONES PROPERLY, THEY SHOULD NOT BE LICENSED TO BE A CREDIT REPORTING AGENCY THAT CUSTOMERS NEED TO CONTACT. OR ATLEAST ADD THE OPTION FOR THE CUSTOMER TO WAIT ON NEXT REPRESENTATIVE. IM SURE NUMEROUS CUSTOMER CALL AND WOULD LIKE THE PROBLEM RESOLVED ON FIRST CONTACT.

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 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal is only allowed to contact me through my cell phone number. This is not the first time they have found other numbers that are associated to me in an attempt to reach me. These numbers have not been given authorization to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial Services financed our XXXX XXXX XXXX, in XX/XX/2017, I called Westlake and spoke with a representative to ask for assistance because my payment was late. The female representative noted my account and told me as long as I made the payment I did not have to worry about repossession of the vehicle. However, on approximately XX/XX/2017, my husband contacted Westlake Financial Services to request a payoff of the XXXX XXXX XXXX, because he was attempting to trade the vehicle in for a vehicle with a more affordable payment. The man representative he spoke with, began telling my husband he needed to make a payment first. My husband explained he was not able to make a payment at the time, however I was going to make one. The representative still would not tell my husband the payoff amount. My husband then explained that he was trying to trade the vehicle in for another vehicle, which is why he was requesting the pay off amount, therefore the vehicle would be paid off in full. The representative and my husband exchanged words, however the representative never provided the vehicle payoff, he stated he would email it to my husband, which he did not do. He instead made a note in the account that my husband refused to make a payment and stated that my husband wanted the vehicle picked up, because we were purchasing a new one. My husband never stated that, however several days later our vehicle was repossed. I requested to speak with a supervisor immediately and requested the telephone call be reviewed because my husband had made no such request. The representative was simply upset because my husband could not make a payment while speaking with him, so he utilized his position to be vindictive and create unnecessary expenses to our family while we were already struggling. I never heard anything from my complaint or request to have the telephone call reviewed. To make matters worse I recently discovered Westlake placed a repossession on both my husband and my credit, which will affect us in a negative manner in more ways than one for years. Most Westlake representatives are professional and helpful, however some of them are abusive and utilize unfair tactics against loyal customers. The representatives always state the call is being monitored, however when they are being unprofessional the call can never be located.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I can't use the card because I lost the card. I called State Farm Bank trying to report it to stop any activity and get a new card. The person wanted my NAME, BIRTH, ADDRESS, CARD NUMBER, EXP.DATE AND SECIRITY CODE ON BACK. If I lost the card how can I give that information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I transferred {$5500.00} from my Citi Bank checking Acct. to my XXXX XXXX checking Acct. Citi Bank has provided me with a letter ( see attached ) with all the information in regard the funds were transferred successfully ( tracking and reference # s ). Which I provided the letter to XXXX XXXX branch manager and CEO. XXXX XXXX respond was that the funds were never reached them. In the Citi Bank payee details, it shows that the funds were transferred to : XXXX XXXX XXXX, GA XXXX I have visited XXXX XXXX branch several times talking to various staff including the manager, service manager and assistance manager, all them their answers were the funds never reached XXXX XXXX. 
I have spoken with the following staff at Citi Bank : XXXX XXXX Citigold Relationship Manager ( XXXX ) XXXX XXXX XXXX Branch Manager ( XXXX ) XXXX Citi Bank 's respond was that they transferred the funds successfully, is no longer their problem. Being a Citi Bank account holder, I believe is the responsibility of Citi Bank to protect the assets of their account holder, deposits, payments, credit cards and transfers. Citi Bank should have contacted XXXX XXXX to search what happen to the funds. 
I have filed a case against XXXX XXXX as well with the office of the comptroller of the currency, that case # is XXXX. 
Many thanks for your help and finding the funds.

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 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thrivest
State: NJ

Complaint narrative:
i obtained legal funding in XX/XX/XXXXof this year initially  personal of {$2000.00} and the purchase of prior funding from XXXX  XXXX XXXX funding company in the amount of $ {$11000.00} for a total of {$13000.00} in personal and medical funding. purchased by Thrivest legal funding. this was XX/XX/2018 in addition to this amount they funded a XXXX in the amount of {$68000.00} the XXXX wa never done and the money was returned in full to the company. so the amount of the payoff at legal interest rates and origination fees should be no more than {$19000.00} at an interest rate of 25 % for 10 months and an origination fee of {$1000.00} dollars for purchasing the previous funding and additional personal funding. I signed the contract in New York and I completed this transaction in New York State at my attorneys office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company is now stating that my payoff amunt is {$40000.00} fdollars and refusing to provide breakdown detail and is trying to include the funds that were returned. All verified by XXXX XXXX Ny XXXX XXXX VP of finance XXXX XXXX and the Doctors office of XXXX XXXX. They are holding me up from getting my funding elswhere and telling me if I have such an emergency just let them buy out the amount it is not legal that is like a loan shark and predatory. XXXX XXXX XXXX was prosecuted in New York under federal court for the same activity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
Convergent was trying to reach me about a cell phone bill due and was unable to get in touch with me. Since they were unable to get in touch with me, they called my sister. An employee left a message with my sister to tell me to call them

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 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Contacted Portfolio Recovery Associates, LLC once I noticed that they had placed TWO negative items on my credit report for credit cards that I dont recall having. I contacted them and asked them for information, I wanted them to verify information. I called and then I sent a letter asking for this information and as of yet, many months since I sent the letter ... they have not responded. 

I've read through some of the other complaints and it seems that this company piles on debts on people 's credit reports without checking if it's really theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NC

Complaint narrative:
The loan was only for {$650.00} and if I pay it off by XX/XX/2018, I will have paid them {$1600.00}. This is insane and unfair, when I only borrowed {$650.00}. Their solution is the earlier I pay back the loan the less I will have to pay back in interest rate, is what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Conns has been reporting information that has erroneous I was told by their company not to make payments for 90 days and they would re-find me. So I did not make payments so they begin to refi my accounts and when I receive the refinancing forms I signed them with all rights reserved they did not like the way I sign so they refused my payments from their on and then charged of my accounts I have to know avail been able to reach anyone who could give me any answers basically they have XXXX XXXX me around and our continually reporting information that is erroneous along with the three credit agencies to continue to violate section 609 and not certifying the information to the consumer myself which is disclosures to the consumer under 15 USC statute 1681GA information on the file every consumer report and agencies youll have upon request and subject to 610 A1 statued Merchant store should correct the information by removing it it is not correct it is erroneous and they have put me in an unconscionable situation I believe that the three credit agencies XXXX XXXX XXXX XXXX and XXXX  need to follow the legislation laws on the books as stated earlier pursuant to section 609 in the federal credit act thank you 1681H clearly and actually this close to the consumer basically they need to give me the request In writing and certify it and they have refuse to do that as well this is been a real battle hopefully you folks can help me out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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:
XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.

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 2018-10-24 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: OH

Complaint narrative:
I have been leasing cars from XXXX XXXX for the last ten years. I have never had any plate payments. Last XX/XX/2018, XXXX XXXX inaccurately placed a 30 days late payment on my account when I had autopay, as well as I never received a notification, or a call that the payment was late! 
When I found out around 25 days later as I was checking online to get a payoff information as my lease was coming to an end, I called XXXX XXXX to ask why there is a late payment and why there is a late fee on my account, when I have auto pay and I never received notification from them regarding late payment as they are obligated to do so per my online registration agreement, he replied from me not to worry as the payment is not more then 30 days late, and credited back my account the late fee. I advised him that I will make a double payment to take care of the late payment, witch I paid online right away. 
I mailed a letter to XXXX XXXX explaining what happened and that I don't have time to always check my online account as I am an XXXX XXXX, they refused to remove it witch is effecting my credit score by more then 50 points. Had they called my Phone number on file, or email me to inform me of a late payment as they are obligated to do so, this would have never happened. 

They also have inaccurate information on my online account. When I sign in, they have a different first name witch doesn't belong to me. I advised them on many occasions and still they never corrected the issue, even as of this date, when I sign in to my online account, it shows a different name. This could be related to why the autopay was stopped. 
Thank you for your time and assistance!

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 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( XXXX ).  The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from Hunter Warfield is not mines.

COLLECTIONS Hunter Warfield Inc Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation