vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I made a payment to Toyota financial services for {$1000.00} for my XXXX XXXX XXXX XXXX. It was deducted from my account on XX/XX/XXXX. The payment was not credited to my account to pay my car. When I realized the payment had not been credited, I called XXXX and was told that there was a systemwide problem on XX/XX/XXXX and not to worry my payment would be credited soon and my credit Would not be affected. I looked again on XX/XX/XXXX and it had still up being credited to my auto loan. I was then told to fax a merchant report from my bank to them showing that I did not receive the credit back to the bank, I went into my local branch of XXXX, And they stated they do not do merchant reports and only communicate with their direct customers. They printed my transaction history to show the XXXX dollars had been taken from my account and given to Toyota financial services and that there was no credit back to my account, I faxed the transaction history to XXXX, and it has been acknowledged that they received it I have called multiple times to get this rectified and XXXX person will tell me that theres nothing they can do until the bank acknowledges it and sends a merchant report then the next person will see exactly what I have given them and shown them through my transaction history and they say they need to write up a report and it will be credited in a few days. It is never credited. I continue to be charged late charges every month even though I am paying my regular payment because of this XXXX dollar payment I went to a XXXX dealership on XX/XX/XXXX to upgrade my vehicle. And spoke to another resolution specialist that had me upload the full bank statement for the month that had XX/XX/XXXX in it and he confirmed from my bank statement that I did not get the refund of my XXXX dollars and said I should see it applied to my loan in a couple days, which it was not. I subsequently was denied opening a new account with Toyota financial services because of this payment on XX/XX/XXXX. I have been a customer of Toyota financial services since approximately XXXX and have had XXXX different accounts with them all in good standing. today XXXX XXXX XXXX I spoke to a resolution specialist and a supervisor that has said the only way I will get my XXXX dollars back is for me to seek legal counsel, they refused to show any documentation of any research that was conducted for them to show that my payment was returned to me on XX/XX/XXXX and they refused to give me any recordings that were taken of my phone calls with their employees. The only thing they will give me is my transaction, history of payments, which is not a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: AL

Complaint narrative:
Second time reporting this company. As stated on the first complaint I googled the address and found this company as a debt collector. As stated in the first complaint, this person does not live here. I stated this before as addressee is not a current resident and have asked this company to stop sending mail to a person who does not live here. XXXX XXXX is the addressee and I would appreciate if this company would stop sending mail to a person not even here. 

This is considered to be harassment as this point as I have informed the company that this person is not living here and they need to stop sending mail to someone who is not a resident of this address. If this is not stopped my next step is contacting a legal representative to see how to stop a company from sending mail to someone who isn't residing at my address and as stated before I HAVE informed the company who apparently disregard the notice of no one living here, by the name stated on the mail being delivered. Its not my faulty this person has not forwarded their address and I demand no further mail being sent here for this person. Also, mail is being sent back via the USPS and stating to my carrier this person is NOT at this address.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are numerous inaccurate and unauthenticated items on my credit report. As a result I am suffering from XXXX XXXX XXXX XXXX. This is affecting my day to day life and I am struggling to be present with my kids because of this ; it is occupying my mind 24/7. Clearly the agencies are not concerned with the repercussions on their failure to ensure the accuracy of their reporting and now here I am being affected by their errors.

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 2024-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Loan was taking out by ex-partner without my consent and then stolen by them from my account without my prior knowledge. I then closed bank account and opened a new one. To prevent them from having further access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NEXA Mortgage, LLC
State: FL

Complaint narrative:
Property that I purchased with Nexta XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nexta Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  United States of America XXXX ( XXXX ) XXXX State Licensed Financial Institution : XXXX I recently purchased a home and was referred to XXXX XXXX XXXX XXXX XXXX XXXX to assist on my home loan. The communication has been an absolute nightmare. There has been multiple email chains and text messages about gathering information for preparation. I was advised to have all my debt with along with account numbers and total amounts that needed to be paid off at the time of the closing. Not only was this sent to them XXXX  times, but they also had phone numbers to obtain authorizations to confirm debts and what was paid to the creditors. When I thought this was completed, at the time of the closing I was to receive {$3000.00} back. However, it was brought at the closing table that I need to '' add money to my account '' in order to close. Now I would like to mention. XXXX creditor to be paid due to the debt to income ratio was my XXXX XXXX  of over XXXX XXXX of which they totally disguarded. The XXXX XXXX is now trying to contact the loan office to review money since it is not " adding up '' and when she called XXXX XXXX XXXX about this he hung up on her. He received his XXXX XXXX in commission and there is XXXX XXXX in escrow that can't be released since he will not " check his numbers since there is noting accurate and money has been disbursed wrongfully. I am asking for you help and for you to know that this loan officer and his company has lied to me, doesn't pay attention to the customer and fraudulently maneuvers numbers to match what he feels fit and never gives a print out on what he tells you. 
His name is the following. Loan XXXX XXXX name is NEXTA XXXX XXXX Mortgage Loan Originator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX Thank you for your attention in this matter. This officer should not be licensed to manage financial affairs for the public. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my consumer report and noticed this fraudulent charge. 

Please remove fraudulent account from my credit report, the inaccurate information hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXXXXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been in a deep XXXX since doing an investigation into my credit report. My findings of many, many errors and inaccuracies is incredibly never wracking to me, especially since the agencies have a responsibility to make sure that what they are reporting is accurate and true and in this case it is not. This information has effected my work life, I was so depressed I had to take time off, so I need this fixed and corrected quickly.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$980.00} US DEPT ED XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-07 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
am writing because of my dispute against XXXX. Regarding claim number : XXXX I have received further information from XXXX regarding my claim as supporting evidence. I was informed that the property I reported to them and Capital One has been delisted from the platform based on my complaint. 

Because of the property being misrepresented, falsely advertised, and there being safety concerns, XXXX made the decision to remove the host from the XXXX site on XX/XX/year> according to the customer service representative I spoke with. This further supports my claim that I did not receive what I paid for. 

I paid for XXXX nights and immediately had to leave. I described the experience in detail in my previous writings to Capital One. Please refer back to my initial documentation. Since I am the one that reported the property for violations and safety concerns, I deserve to receive my funds back since XXXX has taken action to remove the host from their property rental site. 

Their cancellation policy wasnt disclosed to me clearly. They claimed that I received service in good condition in their response to capital one. Which is IMPOSSIBLE, especially considering that my report led them to remove the property from XXXX entirely. Please fix this for me ASAP. 

Upon opening my claim with XXXX  they told me to vacate the misrepresented policy after charging me, and said I would get a refund after I left and kept my funds with nearly an entire month of the booking left.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MA

Complaint narrative:
The beginning of my loan with Edfinancial was {$5000.00} I made a two payments on XX/XX/XXXX of {$2500.00} each a total of {$5000.00}. The next day i had to call because my payment history disappeared, but i have bank statement to prove otherwise that the money was taken out of my accounts. 

I called customer service several times, one caller said it should take 2weeks to clear another said 30 days then another representative said to be patient. My Last attempt on XX/XX/XXXX I called and asked why my account now only shows half paid off and that i still owed {$2200.00} in which that is incorrect. 
On the Edfinancial website I'm unable to see what was actually my remaining balance all while interest kept accumulating. So i asked what was my remaining balance the rep said {$130.00} and i made that exact payment on XX/XX/XXXX so interest does not accumulate. 

My accounts should of been paid off on XX/XX/XXXX and today its XX/XX/XXXX and nothing has been done. I received an email from Edfiancial that they are going to fix this and that my account should be paid in full but they are not sure when Finance team will get it done. 

This has been almost 6months to settle Edfinancial is one of the worst companies i have ever dealt with. 

Below was the last email sent to me on XX/XX/XXXX XXXX XXXX, " Thank you for contacting Edfinancial Services. I hope this email finds you well and I do apologize for any inconvenience that this has caused. Your account currently shows a negative balance for one of the loans and a positive balance for the other. The payment will be reapplied to your account by the Finance Department unfortunately we don't have a timeframe for when the payments will be reapplied and your account will reflect that it is paid in full. We appreciate your patience. 

If you have any other questions, you can also chat with us at XXXX XXXX XXXXedfinancialXXXX 

Thank you, XXXX Edfinancial Services We value your opinion and want to know how we can improve your email experience. Please take a minute and provide us with your feedback by clicking on this short survey. 

XXXX XXXX XXXXedfinanciaXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
The representative I spoke with from Planet Home Lending was unable to explain why their online portal was not allowing me to schedule a payment from XXXX on a due date of XXXX, considered late on XX/XX/year> for an account in good standing ( NOT late ). Furthermore, I can't even look at payment dates in XXXX, as their system will not allow it. I've experienced other restrictive practices surrounding their payment portal/process, but this one is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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