vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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:
i received the XXXX statement in XXXX saying i owe {$210.00}. my normal payment is XXXX but since i been paying over and above the amount i m ahead, so i proceed to pay XXXX which more than cover what the statement says i owe. ( is what i do normally-i never pay the bare amount to get by ), so then after paying the XXXX i was given a statement that says i still owe another XXXX within the same billing cycle. i called several representative. they read me the entire payment history and says i still owe, because i had several deferments. a deferment meaning it's put to the end of the loan. but nope. i owe it. and 2 representative proceed to tell me that TOYOTA FIANCIAL DOES NOT SEND OUT ACCUATE STATEMENTS and i should check online or call in to find out what is actually due each month. so basically toyota found a loop hole, sending out false monthly billing statements, and if not careful you can be charged a late fee or reported as late on your credit. i also escalated my call to XXXX who promise to call me back, that was 2 weeks ago. never called. so now i would like CFPB to step in. as i will monitor closely all the statement toyota sends out and report this as i am told statements sent out by Toyota Financial are not accuarate. this may the the start of a class action lawsuit. please help not just to get a response but help investigate toyota financial 's lending practice ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Applying for a refinance and the title company sent me a letter about a judgement against me. This debt is not on my credit report, nor did this judgement come up when I purchased the house two years ago. I never received any written proof that this debt is mine, nor was I ever notified personally by mail or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a XXXX  XXXX prepay gift card on XXXX at a XXXX store I put {$300.00} cash down on the card I never used the card. I checked the balance when I got home that night an hour or so after I bought the card and it already had {$140.00} charged on it, I will say this again I never used the card and to this day I have not had Acess to the funds I put down. After finding out about the charges I didnt make I called the number on the back of the card. The only why I could talk to a person is by entering the card number, exp. date and code on back and getting a recorded voice say the card numbers are invalid please try again after doing 4 to 5 time it gives the option to talk to customer service, they told me when I finally got a person there are no direct phone numbers to get to customer service, so I have to go though this process every time I want to talk to them and it takes about 30 ; minutes to do this process every time. 
Well I told them I didnt use the card and I filled a fraud complaint, they sent me a email and I faxed it to them XXXX XXXX XXXX who has a fax machine any way these days. Well I do now. And the card was put on hold including the undisputed amount of {$160.00} I had no acess to any funds. Well its XXXX XXXX XXXX and they are saying it will take 45 to 90 days to complete the investigation. Thats from XX/XX/XXXX I am told even though I faxed almost 2 weeks before that. 
I have spoken to 5 or 6 different representatives and its been a different story almost every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
To Whom It May Concern, ''This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Under the Fair Credit Act law I have every right to remove this unknown collection from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have loan with carrington mortgage services in my home XXXX XXXX XXXX  XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The XXXX come as REFER/ELIGIBLE.Please advise carrington to remove this 30 day late reporting. I ATTACHED THE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CA

Complaint narrative:
Chase offered a {$100.00} cash back bonus for referring a friend to apply and get approved for a credit card. It has been two months since the referral was completed, but I haven't received the reward, despite receiving an automated email congratulating me for the successful referral and noting a bonus is on the way. 

On XXXX XXXX, XXXX, I referred my friend to apply for the Chase Freedom Flex credit card. I shared the link provided by Chase, which offered a {$100.00} cash back bonus. Within an hour, my friend was approved for the Chase Freedom Flex credit card, which he applied for using my referral link. 

On XXXX XXXX, XXXX, I received an automated email from Chase congratulating me for making a successful referral. The email with the subject " Your bonus is on the way, earn up to {$500.00} cash back '' said I earned {$100.00} cash back. 

On XXXX XXXX, XXXX, I contacted Chase to ask about the status of my {$100.00} cash back reward, as I hadn't received it yet. It had been more than one monthly statement ( the noted time in the email ) and about two months since I sent the referral. 

On XXXX XXXX, XXXX, I received a reply from a Chase customer service representative that I was not eligible to receive a referral bonus because my friend did not apply for the same credit card as I had. This is untrue : I also have a Chase Freedom Flex credit card and used Chase 's link to refer my friend who was approved ( and currently uses ) the same credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive contacted XXXX  and Equifax about A account that was reporting on my credit file and the name of the company was XXXX XXXX XXXX ... XXXX XXXX keep on reporting a fraudulent account in my name without my consent Ive written them and the wrote me back saying theyve investigated which I believe to be false and determined that based on the information I provided matches the Id information they have on file ... Im now including all my proof of residence to protect my identity due to fraud.. I am very upset with the outcome of this investigation and hopefully get this matter handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MI

Complaint narrative:
Me have contacted the credit people for the inquiry on me credit report. The inquires are *XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Me no give permission for these company to get my inoformation.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and Transunion are reporting incorrect address, incorrect year of birth, incorrect public record on my credit report. 

XXXX  is reporting I lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX plus they are reporting my year of birth as 1968 which is incorrect. 

Transunion is reporting incorrect addresses and incorrect public records. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX They are reporting I have two incorrect public records on my credit report. ( Bankruptcy ) XXXX XXXX has a security freeze and a dispute for the same information. However, they have not responded with the 15 days which is XXXX I will take all three credit bureaus to court to further assert that the debt is not mine and the consistent inaccurate reporting is a Federal violation of my rights as a Consumer. This is my final level of trying to resolve inaccurate reporting issues.

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 2021-02-12 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I have contacted XXXX  a few times about the fraudulent XXXX Account. This is NOT MY ACCOUNT, and I had nothing to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020 I entered into credit counseling and Incharge debt began to manage all my credit card accounts including Citi. 

I noticed a 30 day late notice on my credit report for the month of XX/XX/2020, so I called CITI to have corrected. At this time I found out over the phone that CITI had turned off my automatic payments to the account before the payments began under my credit counseling agreemnet and they did so without informing me. 

I had previously enrolled in automatic payments with CITI due to past problems with their website and being able to make payments. Their site constantly had errors that prevented me from logging in to make payments, so I enrolled in autopay to avoid further issues. When they cancelled this without informing me, due to this and not receiving a bill, I was not given notice that there was a bill to paid. 

When I disputed the issue CITI did not fix or address the issue.

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 2021-02-12 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XX/XX/2021 I went on XXXX XXXX to check my credit score when I checked it on XXXX XXXX it was reflecting on the Trans Union score that I have six missed payments on two of my accounts which I am an authorized user on I file a dispute stay into them that the payment History and calculation was incorrect Trans Union went ahead and delete both of my accounts which I am an authorized user on from my credit report this in return dramatically dropping my credit score almost 90 points I have gotten directly in touch with Trans Union asking them to fix the problem they blatantly disregard my request and refused to fix the problem I am in the middle of trying to purchase a home and this is affecting me greatly I really need some help and assistance

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a letter reflecting my deletion of a bankruptcy. After repeated attempts to contact XXXX  and Equifax, with no response. I have attached the letter reflecting the change, which is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
To Whom It May Concern, ''This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. '' Under the Fair Credit Act law I have every right to remove this unknown collection from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I was a customer with BridgeCrest from XX/XX/XXXX - XX/XX/XXXX. I had an auto loan with them. I was reported late twice on all 3 of my credit reports by BridgeCrest and this is inaccurate. In XX/XX/XXXX I refinanced the loan. The new loan company sent Bridgecrest a certified check for the payoff prior to my next payment being due. Bridgecrest has a policy of a minimum 10 day hold for document verification. Bridgecrest held the check until XX/XX/XXXX and gave me a 30 day late on my credit report. Please look at my XXXX  report they gave me a OK for XX/XX/XXXX. NR ( Not Rated ) for XX/XX/XXXX and a 30 day late for XX/XX/XXXX. I asked them several times to adjust my 3 bureaus and they refuse. 

On my XXXX  Bureau they marked me 60 days late XX/XX/XXXX. I was current in XX/XX/XXXX and current on XX/XX/XXXX. Therefore I could not be 60 days past due. I pointed out this error and they refused to adjust it. 

Please review the attachment XXXX XXXX XXXX Page 1 & 2. This is the company that refinanced the Bridgecrest loan. As you can see the account was opened in XX/XX/XXXX along with a payment reported for XXXX. The same month Bridgecrest is reporting me late for on XXXX. 

On XX/XX/XXXX I was involved in a fatal accident and lost a loved one. I was medically incapacitated. I asked Bridgecrest for mercy and to waive the 30 day late and they refused. However, I have read comments of customers on this site stating Bridgecrest agreed to adjust their late marks on their credit reports due to COVID-19. Why am I being discriminated against because my medical issue was not COVID-19 related? I had an unforeseen occurrence due to no fault of mine and Bridgecrest refused to offer any assistance. Public relations has nothing to do with decency. Had someone been rejected because of COVID-19. The court of public opinion would render a verdict. However we both suffered difficulty and mercy was needed. I was denied. 

I did file a XXXX  complaint on Bridgecrest. I was very disheartened to see the representative from Bridgecrest being misinformed stating that for the life of loan I was 17 times 30 days past due on my payments. This is 100 % not true as shown by my 3 credit reports I uploaded.

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 2021-02-12 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: Credit Plus Inc
State: FL

Complaint narrative:
I have loan with XXXX XXXX XXXX  in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The Du come as REFER/ELIGIBLE.Please advise XXXX to remove this 30 day late reporting. I ATTACHED THE DU REFER/ELIGIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items and information on my credit report on XX/XX/2021. I then again sent out a demand to comply letter on the XX/XX/2021 to XXXX, XXXX, XXXX. It has been well over 30 days and I still have not heard or received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX Loan in the stated amount of {$16000.00} to purchase a XXXX XXXX XXXX funded via Credit Acceptance , Inc. was accepted by me at the Vehicle dealership. 
After weeks of communications with XXXX XXXX in XXXX Ohio I purchased a vehicle, a XXXX XXXX. The salesman, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX after several hours sitting there finally found a lender for the purchase. It was nearing closing time when he came back and told me that the lender, he found was willing to do the loan for XXXX XXXX for the vehicle. The vehicle asking price was XXXX. So, I agreed and moved forward with the purchase agreement. After signing 2 or 3 papers directly for the purchase the financial person stated that he would do the rest of the paperwork online and give me a copy. 
Since it was dark and raining heavily and that XXXX had picked me up at my home I had agreed and did not take the time to read all the documents. I had an hours drive back to Pennsylvania. 
On XX/XX/XXXX I received my notice for payment due on XX/XX/XXXX. After I sent payment, I received several more notices. The next documents received via U.S. mail noted that the loan for this vehicle was for {$29000.00}. I called Credit Acceptance about this, thinking that there was some mistake especially since the papers that I signed noted that the loan amount was for {$15000.00}, or XXXX. On XX/XX/XXXX shortly after notifying XXXX that there was a problem with the exhaust on the vehicle, I could smell it upon startup of the vehicle when cold. The vehicle burned up on the highway after someone notified me that the vehicle was on fire while I was driving at about 65mph. 
The insurance, XXXX sent a payoff notice for the loan. Then I received a statement this month, XX/XX/XXXX for a balance due in the amount of {$14000.00} due on XX/XX/XXXX. I need help with this. According to the insurance company the loan was paid

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 2021-02-12 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information on my credit report.

Company response to consumer: Closed with explanation