vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I signed a lease for 36 and had trade in which and cash back from dealer. In signing I was required to pay first month lease. In the process of this loan there appear to be more then 36 mos of payments and the amount for down payment and first month payment is not included. Also the down is not reflecting the amount and trade value is not included. I also want to address the warranty is being denied by XXXX and my car have mechanical problems and is under warranty and they refused to service my car based on the agreement I signed with this lease. Presently still have car with warranty issuse and they have not corrected the matter. I filed lemon law and they still refused to service my car. I'm want to address filed a breach of contract against XXXX XXXX XXXX.

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

Complaint narrative:
I have sent several letters to Equifax along with proof to validate my claims. I have also written to you several times about Equifax reporting practices. I have now on the most recent file they sent me a incorrect address, Public Record, and two items from a collection agency. I have sent letters proof and made phone call to them on XX/XX/2018 and they have failed to correct the errors. On XX/XX/2018 my report listed six collection agencies with no Name of the original creditor and several of them with a XXXX  amount. I sent in a copy of the letter where from the state where the account was paid in full to the original creditor. I asked them to send me who, what, proof of how they verified the Public Record. This Florida address is new because that was not on the report they sent two weeks prior. Enclosed is another letter I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: KEYCORP
State: CA

Complaint narrative:
This is about Key Bank private loans and XXXX the servicer. 
I am a co-sign for a person 's loan. that person graduated from School about 11 years ago. I have not seen the person or talked to this person for 10 years now. This person has been paying the loan on time for 11 years and counting. I've asked for a co-signer release every year and got denied. I am trying to understand why is this such a hard thing to do for the loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Freedom Credit Card offers protection in the event that a trip is interrupted due to an emergency when you use their card to travel according to the " Guide of Benefits XXXX ''. 
I have purchased airline tickets for me and my family with the Chase Freedom credit card and due to a medical emergency, I was forced to cancel the trip. After submitting all the required documentation to the " eclaim '' department, the claim was denied wit no enough explanation. 
Claim number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am unable to communicate with Ocwen because I am being represented by an attorney. My attorney has made several attempts to communicate with the servicers attorney XXXX XXXX and even sent him several emails, as of today no response. My insurance agent has made several attempts to get my homeowners insurance policy renewed, as of today she hasn't been able to get anyone at Ocwen to assist her, probably because the servicer is pulling another flimflam to sneak in another force place insurance policy again. How am I suppose to get matters resolved if the servicer wont communicate with me and its outside lawyer XXXX XXXX wont communicate with my lawyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I.Q. Data international they have not tried to contact me. I saw this on my credit and it was a for a apartment that my ex girlfriend was staying at. Its from about 2 years ago and the balance is up to XXXX . I would like this not put on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: NC

Complaint narrative:
I been a victim of identity theft.

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 2018-10-10 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: NC

Complaint narrative:
I been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
My dispute is with GM Financial I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: MN

Complaint narrative:
Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kimball, Tirey & St. John LLP
State: SC

Complaint narrative:
Dear, CFPB I am making a complaint for XXXX, XXXX, XXXX, and Kimball tirey st John.  There is a debt from the creditor which is kimball tirey st John original creditor which XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I have a document saying the creditor agreed to delete this account. As of today it is XX/XX/XXXX XXXX, XXXX, XXXX  has not deleted the account which is violating FCRA statue of limitations and can possibly be sued and fined for {$1000.00} per each. I am having difficulties with all 3 bureas and creditor that agreed to deleted in it's still not deleted as agreed. They also increased the balance to damage my report after they agreed to delete, what they do is increased and decreased which damages a score. This is a violation under the credit act.. This must be deleted immediately. I will upload the page from XXXX and current updates for my proof in case I have to proceed with litigation and violation fines.

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

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America debit card was charged on XX/XX/2018 at XXXX XXXX XXXX XXXX for {$15.00}. I had not originally noticed the charge however the following day my account was charged again for {$230.00} from XXXX XXXX XXXX New York and {$12.00} for a Taxi XXXX XXXX XXXX. Being that I did not make these payments, I reached out to my banks fraud team. They refunded me the money however in XX/XX/2018 took back two charges for the taxi and XXXX stating since I live in New York these charges could have been possibly made by me as they are in XXXX New York. At the time of the purchases I was in XXXX on XXXX XXXX and could not have been in XXXX or at the XXXX located 30 minutes away from my job while at the same time purchasing lunch in XXXX. I explained this to them and the representative agreed and escalated the situation for further review and requested I submit a letter stating this. I heard nothing back for months while not being credited back the funds. On Friday, XX/XX/2018 my card is suddenly overdrawn. I call Bank of America again thinking a charge was once again unauthorized to find out they reversed the larger claim for {$230.00} as well stating the hair salon is also located in New York and a chip card was used for the transaction. They stated since I had the card still with me someone had to have taken the card as chips can not be duplicated. I explained to them that I did not make the charge and could not find a XXXX XXXX XXXX location in New York. They then proceeded to tell me the address to a home apartment building the charge came from which was also located 2 minutes from the XXXX XXXX. The representative looked up the location and stated they could not find a phone number or entity listing for the name charging my card. They also stated they could not put me in touch with the Bank of America investigators because they do not have a contact for them. The most they can do is put notes requesting a call and the investigators can decided on calling me back but it is not guaranteed. I have banked with Bank of America for almost 15 years and have never filed a claim with Fraud. I can't believe I can't even speak with a fraud investigator to see how they did their due diligence before denying me a claim that is obviously shady.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 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: NC

Complaint narrative:
I have been a victim of identity theft.

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 2018-10-10 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: NC

Complaint narrative:
I have been a victim of identity theft.

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 2018-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My dispute is with XXXX XXXX I have been a customer who had made timely payments every month. However, in XX/XX/2017, a payment was reported as late because my auto payments were turned off without my knowledge. It was for a small amount, only {$100.00}. Upon realizing this, I immediately made the payment as well as the payment for the next month. 

I wrote a letter of good will and the never responded. I kindly tried calling the customer service representatives and they were very rude to me, said it was my fault, and there was nothing for them to do.

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 2018-10-10 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: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
I was notified by XXXX XXXX XXXX, XXXX. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX XXXX which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX XXXX XXXX. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as 100 % XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A complaint from a company was placed on my credit report about closing acct in XXXX when i no longer have acct with Them since 2013..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, I have recently submitted a complaint through the CFPB in regards to case XXXX. I am being held liable for a fraud on the basis that someone took my phone and used my e-mail to try and do multiple fraudulent transactions. The basis of their action is that the signature matched a previous fraud claim which I withdrew because I knew the perpetrator. The problem with that is that they will not show me the signature, and also because I don't know how they could possibly find that given that I've shopped at the XXXX XXXX and they are one of the few shops that make you sign with your finger and not with a pen or kiosk. I have read multiple things online and I have heard that Discover is infamous for siding with the merchants. Having them answer my complaint with a canned response telling me that I'm screwed even though I have proof of where I was when the transaction took place, as well as the fact that I have proof that my phone was stolen and my computer was compromised is quite ridiculous. I will not pay a single dime towards something that I did not purchase. Please advise me of my options as I will be hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A complaint from a company was placed on my credit report about closing acct in XXXX when i no longer have acct with Them since 2013..

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 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I have received several letters and phone calls from Select Portfolio Servicing , Inc regarding my mortgage for my property in XXXX, PA. All the correspondence that I received was in regards to my interest rate increasing in XXXX stating that I had a variable interest rate. I spoke to multiple people at SPS, who two months ago purchased my mortgage from XXXX, explaining that I entered a 5 year rate lock on my mortgage in XX/XX/2018 where I paid an additional monthly payment to process the 5 year rate lock. 
I spoke with XXXX XXXX a supervisor at SPS on XX/XX/18 where he looked through my documents was able to see where an agreement was sent to me in XX/XX/2018 and an additional payment of {$570.00} was processed by XXXX for the rate lock. 
However, since then I received two additional letters and today on XX/XX/18 I received another phone call on the same subject stating that my rate will increase in XXXX. 
SPS has been innodating me with letters and phone calls in regards to a rate change for my property. This is incorrect and I have asked several times to include today to rectify the situation. I have asked them to review their documents and correct their system which is incorrect. I did not agree to the servicing transfer and since the transfer I have had issues in regards to payments that were not processed because someone on their end keyed it incorrectly and now they are threatening to increase my interest rate. I have exhausted all options to rectify this with the Servicer to no avail. 
Based on my interactions with them I believe their servicing records are incorrect, the team is not adequately equipped to service my loan. Additionally, it appears that they have a lack of accuracy on servicing records and there were no quality checks done at time of transfer. As of XXXX SPS is indicating that they will raise my interest by over 1.25 basis points. Again, I locked my current rate of 4.25 % in XXXX for a 5 year period. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been making over payments every month and my over payments are constantly being applied incorrectly and against my direct request when I spoke to the financial representative. With every over payment, my auto pay is reallocated in order to maximize interest payments across all of my loans and my over payment is repeatedly miscalculated in the company 's favor. This is the 3rd time that I have asked that my over payments are not counted towards future auto payments and should stand on their own. 

Finally, last month I made an over payment and realized when the money did not go out of my account that the payment never took place, even though I received a confirmation number for the payment. The company did not revise my loans to reflect their mistake and I lost all of those days in-between securing a 2nd payment. 

This is gone on far too long and somebody needs to address these concerns.

Company response to consumer: Closed with explanation