vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Hello, I was able to access my Experian credit report online, however the website would not allow me to print my report in a printer friendly format without first signing up for for a 30-day trial ( free for the first month but costs XXXX thereafter ). I believe that Experian should be able to provide a printer friendly version of the report with out having to sign up for additional services. I have been able to generate printer friendly PDF report from both XXXX  and XXXX. With Experian I was forced to print the webpage directly. 

Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
XXXX XXXX of XXXX XXXX XXXX contacted my wife and I on XXXX XX/XX/XXXX to ask if we were interested in refinancing our home with an Interest Rate Reduction Loan ( IRRL ). His company had secured the financing for our home in XX/XX/XXXX so he already had signed disclosures on file. 

I was out of the country at the time so my wife, XXXX XXXX, called him that afternoon to discuss options. She specifically asked " Will you need to run our credit? '' The response that XXXX gave was " We will not need to run your credit at this time. '' During the phone call. 

On XX/XX/XXXXh, my wife and I both received notices that someone had run our credit. XXXX contacted me through text. I checked my report and it showed that Advantage Credit Inc, had Inquired about my credit on XX/XX/XXXX. 

I sent XXXX a text that day asking if he had run our credit. He stated " Yes, I pulled your credit so I could start moving forward with your VA IRRL streamline refi. '' Following that exchange he made a number of excuses as to why he did it after I told him that he was not authorized to access our credit reports. 

He then promised to send us our reports, which has not happened and to review them with us. This was on XX/XX/XXXX and we have not heard from him since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been disputing a XXXX XXXX XXXX account with Experian that was opened in XX/XX/XXXX. XXXX XXXXXXXX charged off this account and it was sold to XXXX on XX/XX/XXXX. I paid and settled this account with XXXX   on XX/XX/XXXX. I disputed the XXXX XXXXXXXX account XX/XX/XXXX because it stated as being negative on my Experian credit report when it was actually sold to XXXX and settled. When the disputed results were sent back to me they were re-aged with a status update of XX/XX/XXXX that caused me to get another charge off and failure to pay. This caused my credit score to drop several points. I disputed this information again on XX/XX/XXXX and the dispute results were re-aged again to XX/XX/XXXX I disputed it again on XX/XX/XXXX this dispute was re-aged again XX/XX/XXXX I disputed again on XX/XX/XXXX and it was re-aged again XX/XX/XXXX. Experian also report this as a charge off and failure to pay for XX/XX/XXXX and XX/XX/XXXX. My credit score has decreased and now my credit score is rating poor. This information is incorrect because the status report date of this account should have a closing date of XX/XX/XXXX. When it was sold to XXXX. Both XXXX XXXX XXXX  and Experian should have known this because the documents are in my Experian file. The last time I called Experian to dispute this incorrect status update the dispute specialist were very rude and did not want to reinvestigate this incorrect information. This incorrect information has caused me to not be able to quality for a home loan it also caused my insurance rates to increase and mental anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX I came to the dealership to purchase a vehicle and they told me they would try to find financing so I waited and sent them all my personal information. The finance manager also asked me to remove the fraud alert from my credit report because he couldn't find financing without it removed which I thought was a bit skeptical. I removed it thinking he would find financing they did a total of 6 Hard Inquiries on my credit report until one day the car salesman calls me and told me when I was going to pick up the car that it was ready. So I went over there and then the dealership did not want to release the car because they told me that they needed a XXXX down payment or the bank would not finance the loan. I was thinking I was going to finance it with my own bank but they used high pressure sales tactics and didn't allow me to use my own financing. I was told that they couldn't give me the car knowing that XXXX XXXX had already paid for the car in which I did not find out until 6 days later when XXXX XXXX mailed me the first car payment stub. So here I was thinking that everything was going to be ok because the General Manager told me that he would reverse the transaction and if not then it would just show on my report as paid. I thought to myself this can't be right because the vehicle is still registered and paid under my name and he kept telling me that the car was never paid for. I knew this was a lie but gave him an opportunity to fix the situation. So here we are now XX/XX/2019 and the car starts reporting on my credit file on XXXX. Now I am getting a little more concerned as to what is really going on with the vehicle knowing that I am being billed and I called XXXX XXXX XXXX which is with XXXX XXXX and they stated that the car was paid under my name and they issued a check for the amount of {$26000.00}. So they got paid under my name and then resold the vehicle 2 days later knowing that they were paid they should have released the vehicle the bank stated to me over the phone in which I have the calls recorded and advised them that I would be recording them for legal reasons. So I asked the General Manager what we would do about the situation and he stated he could not get the vehicle back but he could possibly pay the bank back with the companies check in which I thought was also a bit fraudulent. I have hired legal counsel to move forward with the matter so that I can make sure all of this is resolved fairly and I can move forward in purchasing a vehicle elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: WA

Complaint narrative:
Wrong information is on my report and keeps appearing. Ive XXXX with XXXX for months and they understood that the information was incorrect. One of the things that are wrong on the report is the Hit and run accident I was involved in, it was not my fault XX/XX/2017. Also on the report XX/XX/2017 I was pulled over going to a funeral, and I didnt have my license which was Valid at the time. They late had me come show my drivers license and they threw the case out

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
OCWEN is taking my home away through a foreclosure sale on XX/XX/2019 and there is nothing I can do to stop the sale. They have hindered my ability to obtain mortgage assistance ; having never had my loan completely reviewed for mortgage assistance. I feel that I am defenseless against a giant foreclosure machine and need your help to stop them from wrongfully taking my home away. I see that you fined them XXXX XXXXXXXX for not helping homeowners and they are apparently still doing now what they did before. You also gave them an order to help homeowners, but apparently that has fallen on deaf ears at OCWEN. When I purchased my home, I was conned into taking an interest only loan for five years. This loan product is for investors, but the mortgage broker sold me on the benefits and said I could always refinance my loan. When the economy started to crash and I lost my job, the reality of my situation hit home and I reached out to OCWEN for help. They have never performed a full review of my loan for retention options, even though I have tried to work with them for years. Instead of being fair and negotiating with me to create a modified loan that I could afford, they kept sending me these ridiculous streamline offers that are unaffordable. Further, they are not acting in good faith. When I finally believed that they were going to work with me on my loan, they gave me a date to resubmit for review that had already passed. I have never had a single point of contact and feel they are just snubbing their noses at the consent decree you gave to them years ago. I have a sale on my home scheduled on XX/XX/2019 and will lose my property if OCWEN can not be stopped. It turns out that the real estate company who is selling my home is also owned by the company who owns the loan! I believe this is illegal. OCWEN and the investor have no motivation to work with me because my home has equity and they will make money three different ways on the foreclosure sale. What a scam!

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 2019-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
I received 2 garnishment orders at my work within a week of each other from the same attorney representing 2 different debt collection firms for a judgement against me from XX/XX/XXXX which was never renewed before the 10 year expiration date and from XX/XX/XXXX and I called them after being served the first one and was hung up on. I was never served to answer either of these judgements and I don't even know who they bought these accounts from or the amount that I owed when the accounts were bought but I am 100 % sure that I never had a credit card with those amounts on them so I don't know if these debts are even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
XX/XX/2019 called my office of employment 3 times stating it was an emergency and needed to speak with me XX/XX/2019 called my office of employment 3 times stating it was an emergency and trying to speak with me XX/XX/2019 called my office of employment twice stating it was an emergency and needed to speak with me

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 2019-04-10 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: CA

Complaint narrative:
This account does not belong to me. This account was opened fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I recently went on a cruise and use my credit card ( Citi Bank ) to make purchases. The cruise was from XX/XX/XXXX to XX/XX/XXXX. After the cruise was over, there are pending charges and and actual charge. I waited the appropriate time based on the cruise line recommendation that the pending charges would fall off my credit card. On XX/XX/XXXX, I called the cruise line to understand when the pending charges would fall off. They indicated since they don't keep credit card information, it would be up to the credit card company to remove the pending charges. The cruise line and I called the credit card company to have a conference call. The credit card company was unwilling to remove the pending charges and stated it was up to the cruise line. The cruise line stated it was up to the credit card company. They both was standing their ground and was stating how much experience they had in resolving these issues without recognizing, the consumer ( me ) was on the line being affected by the issue. Since I didn't know which party was telling the truth, I cut the conversation and stated I would just write up a complaint. As of today, XX/XX/XXXX, the pending charges are still showing on my account. I don't know what the next steps are since, I needed the card to use for a business trip which I had to adjust other cards to pay for hotel charges. I think both companies were unprofessional and didn't think about the consumer who is being affected by the pending charges on the 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 2019-04-10 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: TX

Complaint narrative:
XXXX  XXXX XXXX and Transunion are showing inaccurate information on this account which is a violation of the FCRA Date open shows 2 different dates high credit shows different amounts Date of last active shows 2 different dates

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 2019-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
We changed insurance companies in XX/XX/XXXX. The mortgage company received 4 letters and never paid it. Our home burnt to the ground XX/XX/XXXX. The mortgage co admitted fault and said they would cover the entire claim. We have been in litigation almost 2 years. They quit paying our living expenses wo warning breaching that contract as well as our mortgage by not paying our insurance from escrow. We have had our credit destroyed and have had to pay for living expenses for over a year and they have still not rebuilt our home or paid our losses or XXXX or storage. Our lawyer just quit on the case today bc he doesnt want to take us to trial. We need assistance asap. I have 14 other people who have contacted me regarding the same company. Its ridiculous what they have put our family through and we are still not restored and taken care of to no fault of our own. We have filed against them before and we are still waiting to have this mess cleaned up so we can start over. Please help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an XXXX XXXX branded Bank of America Prepaid card with a balance of {$16.00}. I misplaced the card until about XXXX of XXXX. I made an attempt to activate it and was unable to because the card had expired in XXXX of XXXX. I called Bank of America in or about XX/XX/XXXX and requested that a check with the remaining balance be issued in lieu of a replacement card. I was told this would cost me {$5.00} and I would receive a check for {$11.00} in the mail in 6-8 weeks. More than 8 weeks passed and I called to inquire on the status of my check. They confirmed one had been sent and agreed to send a replacement check, again within 6-8 weeks. As of XX/XX/XXXX I have not received anything from Bank of America. I called to inquire about the status of my check once more and I was told by a representative that my request for a replacement check was " not approved. '' He could not explain why the two representatives before him had agreed to issue replacement checks if my requests had allegedly not been approved. He said that only his supervisor would know, so I consequently asked for a supervisor and was placed on hold. After one hour on hold I could not be on the phone any longer and had to hang up.

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 2019-04-10 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: BB&T CORPORATION
State: VA

Complaint narrative:
Around XX/XX/2017 I filed bankruptcy on all my debt excluding my current auto loan with BB & T, However my credit report ( XXXX ) shows that car was included in bankruptcy. I have continued to make car payment on time. I still can log into BB & T account online which shows payment due, payment paid, interest amount taken, but statements stop on the online account around time of bankruptcy. I have only recently noticed this when I applied for a credit account at my bank. I logged into my BB & T account and sent email to customer service concerning this issue and have not received any response.

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 2019-04-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted TranUnion per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my to my dispute. My dispute included requested information in relation to me exercising my rights under FCRA Section 611 ( 6 & 7 ) - Method of Verification of an item on my credit report. 
The first rep that I had spoken with ( XXXX ) stated that she can not supply me with this information ( Method of Verification ) and stated TranUnion uses a third party company that verifies this. I then asked for her supervisor ( XXXX ) of which I was transferred to her. The supervisor as well refused to supply me with information to not only who the third party company is that TransUnion uses but did not supply me with the Method of Verification per FCRA  Section 611, 6, A & B. 
As a Consumer, I have the right to request this and as well receive this information per the Federal Credit Reporting Act as stated above. This Credit Reporting Agency ( TransUnion ) is in violation of this Act. They have not conducted a thorough investigation, rather then utilized a third party company ( of which is not the " Furnisher '' of this account I'm disputing ). 
I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.

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 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/19 I did not get or try to get XXXX XXXX. I havent been in cali since XXXX of last year. My dad was in the hospital sick

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: TX

Complaint narrative:
National Credit Systems Inc, has filed ( 2 ) unverified and inaccurate collections on my credit report. NCS DOES NOT have the LEGAL authority to collect on any debt in my name or social security number. They are not following the CFPB statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
There are 4 bank transactions taken directly out of my bank account, the descriptions and amounts are below 1.  Transaction Date : XX/XX/2019, amount : {$300.00}, Description : XXXX XXXX VISA XXXX AZ 2. Transaction Date : XX/XX/2019, amount : {$290.00}, Description : XXXX XXXX VISA XXXX AZ 3. Transaction Date : XX/XX/2019, amount : {$200.00}, Description : XXXX XXXX VISA XXXX AZ 4. Transaction Date : XX/XX/2019, amount : {$100.00}, Description : XXXX XXXX VISA XXXX AZ

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation