vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Prior Covid-19 all our payments were automatic and never been a day late. When everything started we got a deferment letter from XXXX XXXX that would release us from payments of XX/XX/XXXX and XX/XX/XXXX with the new payment date at XX/XX/XXXX and supposed to be automatic accordingly with the conversation over the phone. But unfortunately it didn't go thought and it was reported 30 days late by the company. We only received a call after 30 days late and made payments of late and current month while we spoke with the person over the phone ; they were demanding a credit or debit card over the phone and we said no because we were at computer and this person got upset regarding that ; We deny provide a card over the phone due we were capable of make payments at same time we spoke with them. Week later it shows up on our credit report as 30 days later. We never been a day later on any account with them and we are about to replace the car with the same company which makes me wonder if I should do because what's happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

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 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
Being that we are all in the midst of a pandemic, I am experiencing financial hardship. I called this company and verbally set up payment arrangements to stop all automatic transactions because I was facing eviction. I made my payment as scheduled and the following day they went in my account after they agreed not to and when I called and spoke with them, they acted as if they knew nothing about the payment I made and the payment agreement. I asked to speak to a supervisor and was told I'd be contacted by a supervisor by the end of the business day. I live in Virginia and they are in Tennessee. I know my time zones and no one called me back. I don't appreciate them stealing from me because that's what they did. I understand I have a debt to pay and will pay it. All I ask is you stick to the agreement made between us. And they claim the payment can not be reversed which I know is a lie. Now I have to figure out where to get the money I need to stop my eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of 2020 I called Bank of America to discuss the mortgage deferment program due to Covid-19. I was told that I was allowed to skip 3 payments and it would be added to the back of my loan. To the best of my knowledge I skipped my XXXX, XXXX & XXXX payments. On XX/XX/XXXX, I called up bank of America to let them know that I wanted to exit the program and continue regular scheduled payments. For some reason they collected half a payment from me on XX/XX/XXXX, then they collected the other half of the payment on XX/XX/XXXX and advised me that was for my XX/XX/XXXX payment. Then on XX/XX/XXXX another payment was made and I was advised this was for my XX/XX/XXXX payment. On XX/XX/XXXX another full payment was made, according to my math three full payments were made after I requested to end the forbearance period. I am currently trying to refinance with another lender and they are telling me according to my Bank of America current mortgage statement that it is showing that I have not made a payment since XX/XX/XXXX, which is clearly untrue based on the above events. Also, my current mortgage statement shows that I owe over {$14000.00} to Bank of America to come current with my payments. I tried calling them repeatedly over the past 2 days spoke to over a dozen customer service reps and demanded multiple times to speak to a manager, which my request was never honored.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: DE

Complaint narrative:
I received an unsolicited Credit Card in someone else 's name at my address. 
NETSPEND XXXX XXXX was received at my home address under a different name. 
This is the second time this has occurred, both cards sent to my address with different names. 
How is someone able to order a card using my address? 
The company said they would investigate with Marketing. Upon followup I was told there is no information.

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 2020-10-21 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: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
There are 2 fraudulent Collections on My Credit Report that are still reporting. They are XXXX XXXX, and Financia Recoveries. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/20 blocked number XXXX called my work XXXXXXXX- I told this company they are calling me at work and I am not allowed to take personal calls at work. The woman on the phone kept talking over me. I repeated do not call me at work. Do not call me on this phone number, I can not take calls on this phone number. 

XX/XX/20 XXXX XXXXXX/XX/XXXX Called and talked to two other employees here on XXXX. Asked if they were me and kept repeated they are on a recorded line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is in violation of the fair credit reporting act XXXX. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-21 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I had a United Airlines charge to dispute with Chase back in XX/XX/2020. The Chase website said that I had to email " XXXX '' to dispute, due to the high volume of COVID-19 related disputes. Here is a copy of the email I sent that address : " On Monday XXXX XXXX I attempted to purchase a ticket on the United Airlines website with my XXXX XXXX XXXX XXXX, and received and Error message " XXXX can not process at this time, try again later '' or something like that. 

I thought my card choice may have been wrong so I attempted to purchase the same flight again with my Chase card : XXXX. I received the same error code. I checked my email a few seconds later and receipts for both tickets arrived in my inbox. 

I used the ticket from the original purchase with confirmation number : : XXXX, assuming that the error is obvious since I would not purchase two tickets for myself for the same flight path. 

At the United ticket counter the attendants verbally promised to give me a " corporate refund '' since it was the mistake of the United website. After I noticed that neither purchase refunded, I contacted the United refund department and explained the situation, they denied my refund and chance to appeal. 

Please help me dispute the charge for this Chase card purchase, confirmation number : XXXX. I would not have purchased this flight unless the United website told me to try again. 

Thank you, XXXX XXXX " END OF EMAIL At this point I have not received any response from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: NV

Complaint narrative:
I applied and was granted a financial assistance/ payment assistance after evaluation of my taxes and pay stub by XXXX XXXX XXXX XXXX XXXX I have a XXXX  balance screen shot given by XXXX XXXX from XXXX XXXX XXXX XXXX financial Department given XX/XX/XXXX I have a XXXX  balance statement and sent cerify mail for them to validate my financial and legal obligation and also nor AMERICOLLECT OR XXXX XXXX XXXX XXXX have not responded to that. 
Acct # XXXX Date of service XX/XX/XXXX Account # XXXX emergency services ( wiht no date of service printed on the bill ). 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of service XX/XX/XXXX. And XX/XX/XXXX Including any related accounts and bill that may not be included on this letter under my name XXXX XXXX and SS ending on XXXX. 

This Is the third communication sent to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 

And AMERICOLLECT from XXXX XXXX XXXX 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 2020-10-21 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: NC

Complaint narrative:
I have recently sent a dispute over to XXXX XXXX XXXX XXXX  due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from Transunion, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item. 
This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it. 

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding 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 2020-10-21 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: NC

Complaint narrative:
I have recently sent a dispute over to XXXX XXXX XXXX XXXX due to inaccurate late payments I had on my report. This account is closed now because I paid off the car in 2016. I know that any misinformation on your report can hinder you from gaining more assets or liabilities in the future. My credit report shows that i have good payment history and paid as agreed from XXXX, and XXXX. I have recently printed off my credit report and it shows my payment history. 

I wanted XXXX XXXX XXXX XXXX to update the info to show I did have good payment history with them and was never late on my payments. by law i can challenge the creditor and credit bureau if something is inaccurate. at least 1 out of 4 people in America has inaccurate info placed on their report and this is the issue for me. I have sent 3 letters out to the Credit bureaus and XXXX XXXX XXXX XXXX. So I wanted to Make the creditor prove that I were late, as they are reporting it to the credit bureaus. If they can't prove that you were late, ask them to delete the negative item.

This can improve your score.. Sending a copy of me being late on payment on my credit report does not match my report and i need more receipts stating the dates completely that I was late on my payments bearing my signature. I have sent a notary letter to them along with letters stating to remove unverified accounts off my credit report if they cant prove it.

This is a violation of 15 U.S.C. 1681 under the FCRA to have properly
verified that an account listed on my credit report is mine by having a copy of the original application and any documents reported correctly, who in the company verified these accounts. how did they verify them, and provide me with the individual, business address, telephone number of the person or business contacted during my re-investigation. They sent letter and credit report but no changes were made at all. all 3 CRA have not updated the account upon request regarding 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 non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They play games with me by phone and mail they told me I can have an account if I step inside a store and apply with my Id I did so ans they still wont process their XXXX  system and credit dept fraud investigations they all lie to me and dont XXXX me they say they have to override its not fair I wasnt a bad customer why are they refusing to process my application even after suiting thr store and they were able to validate its me XXXX fair they dont even check my credit they lie instead to me this is ridiculous this business has to be shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I received a loan from Marcus ( Goldman Sachs XXXX in XX/XX/XXXX. In XXXX of XXXX I reached out to explain I switched banks and was making a manual payment. They explained that they thought everything looked ok. In XXXX and XX/XX/XXXX I reached out a number of times to further explain 2 basic things - I changed bank accounts to debit for loan payment, and that I was out of town caring for my mother who fell ill and is XXXX years old. I was told everything was fine and they couldn't determine the actual due date vs if a payment was late but everything " looked fine on their end '' I was told. I made manual payments but in XX/XX/XXXX I was alerted that XXXX had reported my payments as 30 days late for both XXXX and XX/XX/XXXX. I have never been late and according to the information I received from XXXX directly I was not late in making those two payments. 

They updated my credit and then late payments were removed. On XX/XX/XXXX I was alerted by my credit report tracking that I was now being reported 30 days late twice back from XXXX and XX/XX/XXXX on XXXX. Further more I am being reported 60 days late twice for XXXX and XX/XX/XXXX on XXXX. The mis information I feel only reflects the inability to keep the story straight on XXXX ' end. I am not sure what the issue is but I reached out to explain directly to the executive offices immediately when I was aware of the reporting, and asked why am I being reported late where there was obvious mis information provided to me back in XXXX and XX/XX/XXXX that indicated to me there were no 30 day late payments. Let alone 60 day lates. 

In XX/XX/XXXX I applied to refinance my home mortgage with XXXX Fico scores. On XX/XX/XXXX my scores dropped to XXXX XXXX because of the wrong information Marcus by Goldman Sachs reported. And they are reporting different information to XXXX ( 60 days late 2x ) vs XXXX ( 30 days late 2x ). When I was according to their own customer service department not late ever. I have perfect credit before and after this incident and looking for some assistance in getting this cleared up as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
This is my second complaint against Ally Financial. I have requested a deferment under the cares act due to significant income reduction due to COVID 19. They say they are working on it however it never gets done. Currently they are harassing me calling the same number multiple times after leaving a message and even calling family members.

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