vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-21 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: IL

Complaint narrative:
I am writing to inform you of the illegal actions of Toyota Financial Services in reporting a Charge Off of an account included in a XXXX bankruptcy that was discharged by the courts in XXXX by a judge. I demand that Toyota Financial immediately alert ALL 3 credit bureaus to have this illegal account removed as required by federal law. Most troubling is that this illegal account was only recently reported in XX/XX/XXXX and has severely negatively affected my credit score. Toyota has fraudulently made it appear that this account was a 4 month term and is past due for XXXX with an owed balance that was closed in XXXX by a federal bankruptcy judge. Toyota Finance maliciously and fraudulently reported to the credit bureaus that I have a recent charge off and reported this debt as active as of XX/XX/XXXX which is included in my bankruptcy in XXXX and discharged in XXXX. They have caused my excellent credit score to fall 300 points from nearly 800 to junk credit. I feel that damages should also be paid for Toyotas fraudulent actions that have negatively affected my credit in violation of federal bankruptcy laws. 

TOYOTA MOTOR CREDIT. 
Negative Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Balance {$6500.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$24000.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Highest Balance {$0.00} Terms 4 Months On Record Until XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I try since XX/XX/XXXX to have an accurate credit report with equifax. 

They act like syndicate, no reply, wrong information and they dont care! 

Its my last request before to ask my lawyer to ask for damage because this situation has impact my life financially and its always with equifax! 

I ask you to report the right way my account loan : XXXX XXXX open XX/XX/XXXX in good standing 5 payment on time of XXXX $ Balance XXXX . 

I ask you to update and respect the law! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
They make me look like if I was behind on my Mortgage on the month of XX/XX/2018 & XX/XX/XXXX when I was not and never was, when I was even giving extra money to the Principal. The Money Source Web site and the managers started a problem, when my wife was trying to increase the payment, so more money went to the Principal and two payments came out that month and because I reverse one of them thru my Bank as Fraud they took revenge and committed slander against me by reporting me late at the Credit Bureaus, for 45 and 60 days, when it was not thru. Told them to correct that and the accounting department or the company revert that letter from going to the Credit Bureaus to correct their injustice. The manager by the name XXXX requested this for the second time and nothing yet. I am a Senior of XXXX years old and a Retired XXXX Veteran and is a disgraced that Americans treat us that way and do not want to admit their injustice and lies to the Credit Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I moved out of the house located at XXXX XXXX XXXX XXXX NY XX/XX/2010 and someone was using my name there for XXXX XXXX account. I spoke with XXXX and they told me if I provided proof they would remove the account. I mailed them the lease of my new address and this account was never removed and its affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This citibank is a fraud bank and just trying to grab money from me. I always cooperated with their investigations. I never received any calls from Citibank regarding investigations. Citibank is just trying to put mud on this situation by pulling up two previous small charges disputes for which they gave me complete credits. One was from XXXX for napkins for {$12.00} and the other one from XXXX XXXX for {$45.00}. When I bought the napkins from XXXX for {$12.00} and I came out of the store, there were no napkins in the Bag and when I went back the store refused to provide me with napkins. 

Same thing with XXXX XXXX, when I went to the restaurant to pick up the food, they made me sign on the receipt and when I came out of the store, there was no food in the bag. When I received the XXXX anywhere Visa card it was mentioned in the disclosures that I will not be liable for the merchandise I haven't received and fraudulent transactions. Citibank is just trying to shrug of its shoulders. XXXX XXXX didn't even call me from the Executive Response Unit Department. The Citibank company didn't show me any proof that I made the purchase at XXXX. 

And what is the relationship between XXXX, XXXX XXXX transaction and the XXXX transaction? They also failed in telling me that I need someone to call me from Citibank at my phone number provided and ask any questions they have. I never received any call from citibank asking me any questions, they never did any kind of investigations and just making false stories to make money. 

I checked the Citibank Credit Card website and they blocked my Number themselves. When I went to change it, it stated that I can not change it and I need to call customer care. Its been one hour and I am still waiting for any customer care person to help me out. this Credit card company XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at Chase bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of XXXX XXXX XXXX. I need help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I pulled my TransUnion Credit file to verify all information was correct. It wasn't. I opened a case via certified mail in reference to Hard Inquires that I had not authorized, requested and had " opted out ''. The XXXX Inquires are as follows : XXXX XXXX Banks and S & Ls XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX  XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Banks and S &  Ls XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX In a reply From TransUnion ( attached ), they state these inquires do not have to be authorized or known to me to be validated. This boggles my mind! Too many inquires can and DOES harm your overall credit rating. With that being the case, it completely throws FCRA out the window, and we the consumers are stuck with that whatever creditors want to report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have been a member of BB & T since XXXX. Back in XXXX I switched my account so I would not have to pay any fees. My interpretation of what was told to me is if I had over four hundered dollars in my savings and kept over 1,500 hundered in my checking my accounts would not be charged. If you look in my checking account, I always had more than that and had my direct deposits sent in there as well. As for my savings, I never touched it. I thought my saving would be getting interest. Isn't that what a savings account is supposed to do? This past XXXX in my statement I saw that my savings was at a zero. Come to find out BB & T has been charging my account a maintanence fee as well as a inactive fee, eventhough my paychecks have been going into my checking account and I have been having automatic drafts out of my account and writing checks to vendors. When I confronted my branch about it, I was told that it was my responsibility to keep up with my account. They said they will look into though and try to get my funds back ; however, after two weeks the branch manager called me and told me that he did everything possible but the bank will not refund me my funds and said sorry. I then contacted BB & T hotline and after talking with the customer service rep that they could refund up to XXXX of the funds. I can't remember if the rep said I would get more of my funds back or not. But I was told that it was my responsibility to keep up with my account. This was a savings account. I did not expect to be charged XXXX a month for fees and have it depleted. I had that as a reserve in case of an emergency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: CA

Complaint narrative:
XXXX wrote down a student loan I had with them in XX/XX/2012. They eliminated their student loan unit. They sent me paperwork saying I would now have to pay taxes on the right-off. However, they have since not corrected my credit reports and continue to add statements such as transfered to recovery unit. There is no one to talk to at XXXX bc the unit no longer exists. The credit bureaus won't change the info despite challenging myself and with help of Credit Assistance Companies. I need help. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
Us Bank online bill pay - on two occasions overcharged in late fees double up the late fees. on two other occasion the late fees were applied to mortgage even when in the payment process there were assigned to late fees due. Currently there was 2 funds held in suspense which we set to be paid to late fees. They applied the funds to principle, and I have contacted Us Bank 5 times. Recorded the conversation on 2 occasions to resolved the matter. I was told the last time that this was corrected, and funds were reversed and applied to proper fees due. XX/XX/XXXX XXXX. When I checked on Monday XX/XX/XXXX the online systems still shows in correct, still show the 2 late fees due. The transaction summary shows they reverse my last payment. An not the missapplied funds for the late fees for {$100.00}. I have spent 10hours and 5 contacts to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: GA

Complaint narrative:
I filed complaint XXXX with CFPB and XXXX  Case # XXXX about the inaccurate derogatory information on my credit file. My credit file still shows charges and invalid payment dates that contradict my credit file. The balance and amount are not correct and the charges are inaccurate. About a month ago I filed a ftc identify theft report because some of the charges on this account, I have no knowledge of. The company could not tell me where these charges came from. I attempted to reach out to the company to get this corrected, but it still remains on my credit file. I am not sure how the additional charges got on my account, I also created a police report in order to dispute this information on my credit file. By law if there are fraudulent charges the company reporting the fraudulent charges have to remove this information due to my sworn affidavit and police report. But this company is still reporting this inaccurate information on my credit file. I am appalled that I had to go this far to clear my name when I have contacted this company numerous times. My credit file is all I have to represent my creditworthiness. This invalid information is damaging my creditworthiness and is against the law. After multiple avenues to get this fixed this is my last option without taking legal action. 

Once again, please remove this invalid derogatory information from my credit file, per FTC affidavit and attached police report to avoid further escalation of this issue and breach of FCRA and FTC regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My Navient Student Loan account is currently holding open and accruing interest on 5 loans that I was told were closed on XXXX XXXX according to the U.S. Dept of ED-XXXX. These loans were from the University XXXX XXXX and were supposed to be closed not transferred to another lender. These loans total {$17000.00} that was not discharged and closed but transferred and hidden among other student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom This May Concern : LVNV funding is reporting an account on my credit reports ( namely XXXX, XXXX, and XXXX  ) that does not belong to me. I have no knowledge of any debt with this company, and I have never received any correspondence letters, phone calls, etc. from them. I contacted them via mail requesting debt validation on XX/XX/XXXX using the contact information listed on my credit reports, but I have not received a response. Per the FCRA debt collectors are required to send a written debt validation notice, and this company has not done so, which places them in violation of the Fair Credit Reporting Act, which can carry fines up to {$1000.00} in court. Furthermore, I filed for Chapter XXXX bankruptcy XX/XX/XXXX, and the docket number is XXXX. All of my outstanding debt was included in this bankruptcy, which was discharged on XX/XX/XXXX. Since my discharge, I have not applied for or obtained any new debt, so it is impossible for me to owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
identity theft. 
unauthorized inquiries on report. 
in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX called to have questions answered told me that they dont need to answer questions they just want their money. 

XX/XX/XXXX received 35 calls I answered one and requested manager rep told me I can wait on that call. 
I had a nephew called in they released information to someone that is not on the account very concern and unprofessional. I think they are fraud for a company to release information to someone that is not on my account.

I requested to receive financial help I was told To look for another job or borrow money from family nothing they can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
identity theft.

unauthorized inquiries on report.

in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX  college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.

Company response to consumer: Closed with explanation