vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Below is the email I sent to XXXX my name and I am writing this email for the bad experience I had with a dealer and corporate customer service. I had issues with me vehicle XXXX XXXX XXXX XXXX and it was towed to the dealer XXXX XXXX when I spoke to them about the vehicle and getting a loaner I was advised I am not allowed to have a loaner since it was first time at this dealer. I was out of town when the vehicle had giving me issues. I spoke to the dealer the next day and was advised it was my transmission. I never had any issues before with my vehicle or indications. I spoke to XXXX the service advisor the next day about the issue he had an attitude for me asking questions as to what happened to the vehicle. I believe there other under lying issues as to why I was treated this way. I called corporate customer service the first rep was very nice in handling the situation and taking down my concerns and I received a call back from XXXX he advised nothing he can do, he showed no concern. I explained issues of the dealer he explained they are privately owned and I have to discuss with the general manager at the dealer. If your dealers are treating customers in this fashion I think it would be more of concern since they are the face of the company. My family has had several vehicles with the company, and was in the market for a new XXXX or XXXX  vehicle. My brother has been a XXXX supporter. I had advised friends to purchase vehicles and they have. So this experience here has left a very feeling of the company and the brand. I know my vehicle was not having transmission issues and for it to just fail is shocking. I expected more but received left. I believe there is some unfair and deceptive practices going on. I am considering a CFPB complaint I believe I am being mis treated compared to other customers. My contact information is email This began XX/XX/18 through XX/XX/18 Thanks I know the company could have assisted me with issue in reference to the vehicle. I have worked for the company and seen the company pick and choose who they decide to help when they want to. It is not fair standard across the board they have policies but they still pick and choose who they decide and not to help. This is a on going issue with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX  XXXX, XXXX Texas XXXX. I submitted letter to Experian the beginning of XX/XX/XXXX. Regarding accounts and inquires that don't belong to me showing up on my credit report. They have failed to provide physical proof that the accounts where mine. This has gone over 30 days to be honest over 180 days to be exact. I've been trying to sort this out. I've sent ( 4 ) 609 letters. Experian has yet to delete the accounts that i'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.

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 2018-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal on XX/XX/2018 to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX, Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer '' ( End of quotation ) PS : I want to login back to my paypal account to do by myself my withdrawing by LAW

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
I have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: FL

Complaint narrative:
[ XXXX XXXX ] has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. 

I closed this count in XX/XX/2017 and it has yet to be reflected as such on my credit report and is still accumulating interest I Spoke to XXXX XXXX who advised our request for validation of this debt has not been received. 
at this time this debt is considered Legally noncollectable

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 2018-06-28 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: Credit Karma, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX credit card account showing a balance of {$10000.00} on Credit Karma ( reported by XXXX  ) is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
XXXX XXXX acquired my VA home loan from XXXX sometime in 2017. Due to their flawed business practices and poor accounting, they failed to reconcile my home insurance information and proper property address from XXXX. Consequently, they took out an unauthorized and unnecessary insurance policy on my home which already had insurance through XXXX. 

XXXX sent the insurance policy by fax numerous times, their automated fax system failed to reconcile my insurance policy as well. I eventually provided the insurance policy from XXXX through an online portal on the XXXX XXXX website, but they already had the policy open for at least a month, resulting in at charge to my account of over {$170.00}. 

XXXX XXXX and their collection company XXXX ( XXXX XXXX XXXX ) have been harassing me by phone and mail to pay this additional amount and I refuse, because the policy was unnecessary and I never authorized it. It's their policy, and they should pay for it. I shouldn't be punished because they have flawed business practices and poor account management. I never authorized them to purchase my loan from XXXX and I wish they never had as it's an incompetent company. 

Please step in and protect me as XXXX XXXX has been unwilling to pay for the mistakes they made and I shouldn't have to pay my hard earned money to a crooked company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I Noticed The signature on those document they send me. That, s not my signature.I wrote a latter to collection representative XXXX XXXX XXXX asking to remove that debt is not mine. I hope they do they write thing by deleting that information not matching Signatures That is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MN

Complaint narrative:
There is substantial issues with my Chase Credit Card account. First I reported unauthorized fraud activity on my account and it was not resolved. I never got any claim letter in the mail to sign and return and I was told they did an investigation and denied my claim but they never sent me any receipts of the purchases or reason of their denial. second they told me not make payment till the claim was resolved and they reported late payment to the credit repots on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I will not stand for them damaging my credit report for fraud charges I reported and they telling me not to make payment till the claim was completed. The balance on this on account should be {$0.00} and they should refund the fees and interest they have been charging me that were a result of fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AZ

Complaint narrative:
I recently set up a payment agreement with Raush Sturm on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom XXXX XXXX that they now have my account after I just set up an agreement with Raush Sturm to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called Raush Sturm they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with Raush Sturm two weeks ago and now it is closed and XXXX XXXX has my account. I need to know what is going on and who I need to pay and why the account got closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: MO

Complaint narrative:
customer service would not help and take care of the negative inquiries reporting to my credit report. I've sent out two authorized letters to the transunion credit bureau & the creditors in XX/XX/XXXX to all the inquiries seen. 3 from XXXX XXXX dates of inquiries XX/XX/XXXX, XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, 3 from XXXX   dates XX/XX/XXXX, & XX/XX/XXXX..XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-06-28 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is not mine. It needs to be removed from my Equifax Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america-XXXX tried to help told me to call back another number XXXX that number was the wealth department who said i had a consumer account not a wealth account! transfers go on and on five more departments till no one wanted to play ring around the teller with me any longer! Thr " I.R.S. '' told me on XX/XX/XXXX THAT BANK OF AMERICA REPORTED A XXXX  UNDER MY SSN my question to the bank, has, and will still be.Who is reporting income on my behalf? it is a tiny {$45.00} dollar amount but it this money let alone this account is unknown to me id like to know more. you report income using my social security number, my address my name my zip code you even use my city.its frustrating being told they no longer can access that system because its been 10 years or 7 years,,,,, news flash its only been four days since i found out about this account, i went to the irs because i had a feeling this wouldn't go away because this has been going on since XX/XX/XXXX.please help

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 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
Onemain account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for Onemain to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for Onemain to state this debt was created and definitely no way it can validate it is owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted Navient loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB Navient is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. Navient miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX  has completely removed this from my credit report. However, XXXX  and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Slovin & Council Co., L.P.A.
State: TN

Complaint narrative:
My name is XXXX XXXX and I am writing a complaint against the law firm of Slovin & Associates of XXXX, Ohio in regards to my student loan account which they purchased. 

I have repeatedly requested a written record of my account details including my remaining balance and the interest rate ( which I was told was 12 % ). 

I spoke with a woman named XXXX on several instances ( the last being XX/XX/2018 ) and was given verbal confirmation that my interest rate on a student loan was at 12 % .I expressed my concern at the absurdly high rate and she informed me that I could submit a letter for review requesting a lower rate. 

After a month had passed with no written letter containing the information I requested, I made another phone call on XX/XX/2018 and was connected to a man named XXXX. 
He told me that he was legally not allowed to send me any information on my account in writing. When I pressed him on this issue, he couldn't back up this statement with any fact and actually started to laugh at me the more questions I began to ask. 

When it comes time to pay this law firm every month ( which I have been ) they have no problem taking the money, but if I request information on the details of my account, they tell me it is illegal for them to do so. How is this legal? How is laughing at someone trying to get information acceptable? 

This is also the law firm that sued me and garnished my bank account of the only 2,200 plus dollars that I had to my name. I had no money to live on for months.

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 2018-06-28 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: Credit Karma, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX is not mine. It needs to be removed from my XXXX  Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I sent a certified letter to TransUnion on XX/XX/XXXX where I asked for proof to be provided that I consented to inquiries on my credit report as well as the accuracy of these inquiries. I also asked that if no proof could be provided that these items be removed immediately from my credit report. No proof has been provided and these items have not been removed as requested. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX   Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

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 2018-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
Home Point Financial has reported a default on our home loan, charged us late fees, caused undo stress, and they refuse to correct their era. Homepoint reported us in default on our loan, acknowledged it was an era, but they havent corrected the problem. We are now getting default letters. We submitted documentation from our banks, verifying payments made for XXXX and XX/XX/2018. However, Homepoint has not corrected the era and claim we didnt make payments. We have spoken to the representatives over and over again, but no one seems to know how to correct the issue. We have corresponded through letters and still the same response. Its as if they are unwilling to do the research, verify the documentation, and correct their mistake. We had a good credit score, but if this continues we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I requested my report from First Advantage Background Check on XX/XX/2018 because I'm a victim of ID theft. I was told that I would receive it in 7-10 business days. I was also given an order number XXXX. The report never came. 

I called again on XX/XX/2018 and gave the customer rep the order number. The she said that there was nothing in the system with that order number. I placed another request for my report, I was told that I would receive the report in 7-10 business days, I was also given a report ID XXXX. Again, nothing came after ten business days. 

The third time I called on XX/XX/2018 and gave the customer rep the report ID XXXX. The report ID was in the system and submitted anther request for another report to be sent out. I would receive in 7-10 business days. This time I also asked in case my report doesn't arrive, how can I submit my request in writing or fax. The customer rep either didn't understand or want to give me the information. It's over the ten business days and I still haven't received my consumer report.

Company response to consumer: Closed with explanation