vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
The loan is still in good standing, have never missed a payment. I am moving to New York state and trying to register my vehicle in New York State. The NYS DMV requires a certified copy of the title ( both the front and back side ) from the lien holder in order to register the vehicle. The title is currently held by the lender but the lender has refused to mail out a certified copy of the back side of the title. I have tried to contact the lender on 9 separate occasions between XX/XX/19 and XX/XX/19 but to no avail. Due the lender 's refusal to provide the necessary documentation, I am unable to register my vehicle in NYS and unable to drive my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I had a refinance closing with XXXX XXXX on Wednesday, XX/XX/2019. XXXX obtained a payoff from LoanCare dated XX/XX/2019 in the amount of {$230000.00} ( Exhibit B, pages 3-8 ). XXXX wired {$230000.00} to LoanCare on XX/XX/2019. The wire was returned by LoanCare because the payment was short ( Exhibit A, pages 4 and 5 ). 
On XX/XX/2019, LoanCare paid my homeowners insurance the sum of {$2200.00}, that is due by XX/XX/2019. On a conference call between myself, LoanCare and XXXX, LoanCare states that I owe them {$1300.00} because they paid my homeowners on XX/XX/XXXX, which caused the {$1300.00} deficit in my escrow account. XXXX said they have nothing to do with the payment of homeowners by LoanCare and would not include the {$1300.00} in the payoff the {$1300.00} deficient being the reason LoanCare refused payment from XXXX. So, here I am ; I havent paid LoanCare its XXXX, 2019, payment because of my closing, and XXXX reminds me that I will owe them my first payment on XX/XX/2019.

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 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
First National Bank of Omaha closed my Visa card with no prior notice. This company solicited me to open an account and then later closed it with no warning. These unfair practices damage consumer 's credit. 
On XX/XX/2019 I called FNB to ask that the account be reopened in order to pay down the balance. They could then lower the credit limit, if they so chose. A much better alternative to closing the account completely. 
I was told by a rep and then a supervisor the closed status was final and had already been reported to a credit agency ( XXXX  ) My payment history was good ( rare if any late payments ) Balance was high because I use it for my XXXX  account. 
FICO score is fair. 
I understand the risk factor but where is the personal relationship with the customer? A simple phone call or notice by mail would have resolved this. And if I was unable to lower my balance to alleviate their risk, then at that time they could make the decision to close the account. But this method is so drastic! Closing credit cards without offering the option to pay it off first is not even a good business choice. 
Why does a bank of this stature want to hurt their customers arbitrarily? A faceless entity - big banking - already despised in our country for milking the public with card debt and high interest rates, now adding to their bad image with automatic closures and adverse credit reports.

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 2019-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I made an online money transfer from my bank, XXXX to my cousins bank, Bank of America onXX/XX/XXXX in the amount of XXXX XXXX The money transfer confirmation # XXXX from XXXX. My cousin, XXXX XXXX XXXX, never received the money in his account due to he had reverse to numbers in the last four of his account #. I have disputed this twice with XXXX and in XXXX repsone, Bank of America has refused to return the funds. My cousin, XXXX XXXX has called mulitple times to his bank, Bank of America with no resolution. I do not understand how a bank can make an error like this. do they not verify the account holders name to the account #? 

My cousin was given a reference # XXXX by Bank of America and said this should be no problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 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: NJ

Complaint narrative:
Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my XXXX XXXX bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my XXXX XXXX balance to 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 2019-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Equifax has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

UNAUTHORIZED INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX Hospital. The information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been trying to get Citibank to report on my XXXX file for almost a year now as they did before a dispute was recorded. Every month I get a letter from them that they are now reporting to XXXX and give it 30 days to appear. It never does. XXXX said the need to call the XXXX XXXX help line to get this to report correctly again. Citi Executive Mastercard.

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 2019-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX XXXX. The information is incorrect.

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 2019-05-20 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: TX

Complaint narrative:
I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Experian has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

Unauthorized Inquiries 1. XXXXXXXX XXXX XX/XX/XXXX 2. XXXX/ XXXX XXXX XX/XX/XXXX3. XXXX / XXXX XXXX  XXXX XX/XX/XXXX 4.XXXX - XX/XX/XXXX 5. XXXX   XXXX - XX/XX/XXXX 6.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 2019-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EDvantage LLC
State: CO

Complaint narrative:
Tuition Options, a subsidiary of XXXX XXXX XXXX XXXX, withdrew {$320.00} dollars in XXXX from my bank account for tuition to XXXX University. XXXX University closed officially in XXXX. I was no longer attending this school, as it had closed, and the private loan created for me seems to have disappeared from all records. XXXX XXXX XXXX XXXX is a nonprofit that had no background in education or private lending before 2017, and has now closed a school, leaving millions in debt and unsure of their future. My credits are worthless and even the website, https : //www.argosy.edu/closed-school-information does not explain any further recourse to recover monetary losses. It seems like XXXX closed, dumping its liabilities, and changed its name to XXXX University. This was robbery. 
I am owed not the {$320.00} from one month of robbery, but around {$3000.00} in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX Toyota Financial Services received my monthly payment and cashed it. It hit my bank on XX/XX/XXXX. Since that time I have tried to get them to post the payment, but they have refused. First they said they never received it. When I sent them a copy of the cancelled check they said it was misapplied but they would correct the situation. I sent three messages and they closed all three requests without taking any action. It is now XX/XX/XXXX and they still have not posted my payment, which was due on XX/XX/XXXX. They've had the payment for 13 days and have done nothing with it. I am very upset, as this may affect late charges and my credit report. There is no reason for them to delay posting and I want this correct immediately. 

XXXX XXXX XXXX Acct. # : XXXX Payment amount : {$300.00} Co. : Toyota Financial Services, XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
I have disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: MA

Complaint narrative:
On XX/XX/2019 I settled my student loan debt for debt XXXX : XXXX & XXXX. I have a letter from XXXX XXXX XXXX that states that this account was considered " settled in full ''. In both XX/XX/2019 & XX/XX/2019 the credit reporting agency reported this debt as a collection and unpaid and it has dropped my score. I am in possession of proof of this amount coming out of my account in full on XX/XX/2019 ; I have a letter dated XX/XX/2019 stating that this account is paid in full. 
This derogatory information is preventing me from buying my first home. I respectfully request your help in updating the derogatory information and the inaccurate late payments for XXXX & XX/XX/2019. 

If you require any documentation as proof of payment or a copy of the letter showing proof of payment, please let me know.

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 2019-05-20 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Disputing a hard inquiry on my XXXX  credit report. No other credit bureau is reporting this. I talked to XXXX customer service at XXXX ( est ), XX/XX/XXXX who was supposed to send me information on how I could contact this company. That information was never provided. The company in question is : XXXX XXXX XXXX XXXX. Please read below for additional information. 

I am disputing a hard inquiry on my Equifax credit report. The finding is : Syncb/ppc, posted on XX/XX/XXXX, XXXX XXXX XXXX XXXX. The problem is 1 ) I do not have any idea what this is ; 2 ) I  have not applied to/for anything credit related since receiving my XXXX Card in XX/XX/2018. Furthermore, I did not authorize Anyone to do any kind of credit check that effects my credit report. This is unacceptable. 

After researching the company, I could find not find any contact information via phone, email or an address to see why they pinged my credit. This inquiry is fraudulent and was not authorized by me, and should be remove from my credit report ASAP. I've covered all my bases, so I'm hoping you can assist me in this matter as this effected my credit score.

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 2019-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been paying Navient/Sallie Mae for over 10 years. Over these years, I have called in multiple times to help with my loans. I was told instantly that I should defer my loans so that I can get my finances in order. So I did. When I was ready to pay, I called back and they convinced me to do the lowest monthly payment to start out, so I did. I always paid above the minimum, however, the payment never went down. 
When I met my now husband, he reviewed everything and shows that ALL of my payments were going to interest. ALL. We called up so they can adjust the plan. For the next couple of months, it seemed like the money was being distributed better, but after awhile, it was back to the same thing. 
This year alone, I have paid about {$4500.00} and {$1400.00} of it has gone to interest. 

I have only taken out {$27000.00} total however, to this day, I still owe {$41000.00}. I have asked them if we could come to a settlement agreement, but they said no. I feel like I am never going to pay this down and some of the loans go back as far as 1999 at this point. 

The people who answer the phone there are clueless and do not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My paypal account has an added insurance protection called buyer 's protection. I was approved to use this as per my qualifications of the issue were an item was not as described that was purchased via XXXX   yet backed by paypal to be governed under my rights with their buyer 's protection. The paypal issue dispute resolved to escalate to a claim whereby I was to be issued a full refund by the merchant. However, the exacts of the instruction of paypal in their e-mail to send the merchandise back as with an online trackable shipping service are now being brought under scrutiny that somehow I am liable for the merchant who denies he received the package? Paypal is negligent in that their instruct e-mail did not delineate in the wording which lacks any clarity to specify that an additional measure or step would be necessary which is considered a proof of delivery added measure of protocol when I sent parcel with tracking. The USPS did not ask to add this measure I did not know it would be necessary and the paypal instructs do not state as much at all in their wording. Yet, now since the merchant/seller/recipient is not obliged to prove he did not receive it he is able to escapade that he has not received it. I should not be held personally liable to not recieve a refund per the neglect is on the part of paypal who had neglected to instruct me properly on adding a proof of delivery confirmation as somehow now being implied mandated? Which is news to me and it not in their instructions e-mail. The paypal has refused my refund I have sent to their legal department a complaint. But, have heard nothing back. I am due a refund under the buyer protection per I followed properly all instructions of the paypal return letter in the e-mail they described only to send as trackable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
On XX/XX/2019, I received notice from my insurance company ( XXXX XXXX XXXX ) that my insurance payment due from my mortgage company was past due in the amount of {$990.00}. 

I then tried to call NewRez - my mortgage lender who had recently bought my loan from XXXX XXXX. In trying to call NewRez, I " experienced '' their VRU phone menu for the first time. It took me over a half hour to talk to a person, after getting hung up on 3+ times in multiple different transfers. When I finally talked to an agent and they tried to transfer me to the Insurance department, I was hung up on again. 

When I did finally talk to someone, I was put on hold for over 30 minutes and no one ever came back to get me off hold. I can not believe that this company is allowed to function as a company when they can't even figure out how to answer a phone call. I am so frustrated that I had no choice in who my mortgage was being sold to and that I have no choice to move my mortgage away from NewRez - a company whom I did not select. I should have a means of moving my mortgage to a company that I choose to work with without having to refinance. 

Companies that can not execute on the basic functionality of answering the phone and talking to a customer should be shut down.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LendUp Loans LLC
State: TX

Complaint narrative:
I took a loan out for XXXX and it was set to take out on XX/XX/XXXX. I called in on XX/XX/XXXX to have it extended to my next pay date of XX/XX/XXXX. Now before this call I already called in previously to inquire my options so I knew which option I was going with as the rep was also aware upon reading the notes. Upon getting off work I saw my account was drafted Saturday. I called no one was available on Saturday so I sent an email in regards to the issue. Sunday I received conflicting information from a rep advising XX/XX/XXXX could not have been my date and I requested them to review the call.i advised there was no way I requested to pay two days later. I called in Monday spoke with a rep who was unable to assist me. I asked to speak to a lead or supervisor and she advised I couldnt speak with one until two days. I advised her my account has pending charges and I am going to be charged fees and she said she couldnt do nothing and released the line by hanging up on me. This is unacceptable and poor customer service. I asked her if she knew a supervisor wasnt available when would one be available she said in TWO DAYS! And proceeded to hang up in my face because she said she didnt know what else to do!

Company response to consumer: Closed with explanation