vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
I have purchased tens of new cars in my life. In XX/XX/XXXX I purchased two new cars from Toyota. One with 0.0 percent interest, another with 1.9 percent interest. I paid both cars off. In XX/XX/XXXX I purchased traded those two cars in on two more, both with 1.9 percent interest. In XX/XX/XXXX, I wanted to trade in one of the XX/XX/XXXXcars on a XXXX XXXX. 

Prior to going to the dealership, I applied for a vehicle loan on Toyota Financial Services web site. I was approved in about 30 seconds but the approval ( # XXXX ) did not disclose the terms to me. 

When I went to the dealership and presented the certificate, the dealership made me a deal on the truck. I kept asking for the interest rate and it was never provided to me. No representative has ever called me back to this date. From my calculations given the payment and numbers provided me, the loan presented was about 15 % interest. 

For this reason, I did not complete the sale. However, I have tried and tried to obtain the interest rate that I was approved by Toyota Financial Services. The dealership has not provided it to me, despite my request, and TFS refuses to provide me any information about the terms of my approval. My approval is still good but I have yet to be disclosed the terms of the approval and can not gauge my financial decisions otherwise. 

TFS continues to maintain that they only handle post-sale financial accounts. This is incorrect. TFS, not the dealer, performed the inquiry into my credit and also approved the credit. 

Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
For reasons I do not understand, my company has not been given normal account access online. Because it starts with a XXXX, I do not have an account online and go through a strange portal to make payments. This portal is extremely limited. It does not report payment history, interest paid or due, etc. It simply accepts payments. I hate it and so I have accelerated the payments to get away from GM Financial. Since I made my first accelerated payment, I am no longer able to access the portal. I have been denied access for two weeks. If I try to pay online, I have to pay a fee. But, I can't access the portal to make a payment online, coincidentally this has been the case ever since I started accelerating the payments. When I call in, they discourage me from making a payment, indicating no payment is yet due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint claims a check was issued and sent to the Tax Collector to pay for property taxes. Said check was never received by the Tax Collector and I had to pay for property taxes out of my pocket to avoid late payment fees. Bank is unable to track payment, refuses to provide proof of payment and credit my escrow account. I requested escrow account to be closed several times but haven't been able to get a response from the bank. I proceeded to send payment for principal and interest only, now the bank is threatening to report me to credit agencies for late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX See attachments  all arent consented

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: Westlake Services, LLC
State: TX

Complaint narrative:
These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
XXXX XXXXXXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX See attachments all arent consented

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc.
State: TX

Complaint narrative:
I sent an email requesting MIB to freeze my credit report.

MIB then responded saying this was not possible since they are not a credit report company.

This is false and obvious deceptive practices. I simply want them to make my information inaccessible by their system where a 3rd party company can not use my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a Bankruptcy reporting on my credit report. I have contacted Transunion through mail, by phone and fax on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, requesting them to investigate this error. Each time they have returned their results to the investigation as verified. I have asked them to provide me with the procedures and documentation they used to verify this and they have not. They also have gone as far to say they are not required to do so. I have attached copies of the letter I sent to the United States Bankruptcy Court XXXX District of Georgia and their response letter. Their response letter to me clearly states that they do not provide any infromation to credit reporting agencies.

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 2019-01-29 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I didnt authorize these creditors to run my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Home Loan Center, Inc.
State: SC

Complaint narrative:
Applied for a personal loan through lending tree, was contacted by a XXXX XXXX from XXXX XXXX XXXX @ XXXX, then onto a direct number @ XXXX out of Georgia on XX/XX/18. He stated I could set up a loan to pay off some hospital debt and clear up my credit, with a personal loan. I had to purchase insurance for it, by linking my account with XXXX XXXX XXXX  purchases totaling {$800.00}. He says they mobile deposit through your bank account login with a check from XXXX, XXXX for the {$800.00} to make it credited that day. Then the routing number is set up for the loan/automatic payments, and you reset your login/password. The deposit becomes fraud, and is not accepted by the bank. He said they write reports to the FTC to report for credit scores, therefore trying to convince the consumer into a loan program for helping you. 
I also received a strange threatening voicemail from an unknown caller in a voice altered tone, the day after blocking both numbers. Just said ( my name ), your next. I was being bombarded with loan offers and still continue to get calls and emails, so Im not sure if this was related. After applying through lending tree, I felt preyed upon being a low income single parent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: BB&T CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( XXXX ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.

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 2019-01-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed an inaccurate account from XXXX XXXX XXXX XXXX for {$1300.00} ( 3 times ) since XX/XX/XXXX.  This is an inaccurate account. I do not owe this company.

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 2019-01-29 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: CL Holdings LLC
State: MI

Complaint narrative:
I have disputed an inaccurate account from XXXX XXXX XXXX XXXX for {$1300.00} ( 3 times ) since XX/XX/XXXX.  This is an inaccurate account. I do not owe this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase is marketing credit cards to those of us with good credit like it's going out of style. Be careful - the marketing is not clear. IF you already have a SWA Chase personal card, do not apply for the new one online. This has sent me through a XXXX triangle, wasting my time and therefore money. 

It appears in the middle of XX/XX/2018, Chase expanded their undisclosed 5/24 rule to include ALL co-branded cards, not just SWA, yet the marketing machine continues to ignore this policy and the Agents on the phone are not well trained. I am contacting the credit bureau b/c two of the cards opened are not mine - that is the silver lining here. 

However, the issue with incessant marketing of their branded cards to customers, plus this confusing 5/24 rule and lack of Agent phone training, is false advertising. The information is still relatively opaque, as Chase never comments on the 5/24 rule, but multiple reader and community data points suggest denials due to 5/24 for cards previously exempt. 

CFPB staff, please help educate consumers and hold the big banks accountable for deceptive trade practices. I do not believe this is intentional on Chase 's part, but the second to last Agent did encourage me to file a complaint here, so be it. 

Thank you! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: FL

Complaint narrative:
Transunion credit bureau is not reporting 5 credit card accounts on my credit report. 

They are : XXXX XXXX XXXX XXXX XXXX Credit Card. 
XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. 
XXXX XXXX  XXXX XXXX VISA credit card. 
XXXX XXXX XXXX XXXX credit card mastercard last 4 digits : XXXX. 
XXXX XXXX credit card. 

All of these credit card accounts are open and in good standing.

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 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with my Wells Fargo mortgage specialist, I told them that I was running out savings and would struggling to pay my XX/XX/XXXX mortgage payment. I indicated I was interviewing for a new job and I expected to be caught up in XX/XX/XXXX and asked if that was ok. They said that would not be problem. I asked if my credit report would be negatively impacted and they said no it would not. 

My interview for a new job went well, I received an offer on XX/XX/XXXX and start my first day XX/XX/XXXX. I will be able to pay all my debts in three weeks. 

However, on XX/XX/XXXX, I received email notification from XXXX  of a negative credit report filling by Wells Fargo, I have paid my mortgage for 15 years. I called Wells Fargo back and they said they did no agree with my XX/XX/XXXX call. They also filed a XX/XX/XXXX negative credit report.

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 2019-01-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After looking at several web sites to get my free credit report.

Was directed to annual credit report.

After in putting all my information, was told had a security problem, With receiving my report 1 ) no way to verify my identity 2 ) web page didnt ask any questions. 

Please contact me a.s.a.p. XXXX Now Im scared my information is out there on the web Please note ; I am in a XXXX  so there is not to of credit Activities but Im looking for false medical charges Thank you in advance XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed my payment to this credit company. They received it on or before XX/XX/XXXX, then delayed in crediting my account until XX/XX/XXXX so they could add a late fee on XX/XX/XXXX. They even lied that they had not received it when I called them on the evening of XX/XX/XXXX, when it had been in they possession for over a week! 

On XX/XX/XXXX, I reminded them that Federal Law require the account be credited on the date it is received and requested they follow the law. The next day XX/XX/XXXX, they replied with a denial, claiming their company policy ( of applying the payment within 5 business days ) is the requirement.

Their admission verifies a violation of Title 15 U.S. Code, Chapter 41, Sub I, Part D, Section 1666c which states in part : Payments received from an obligor under an open end consumer credit plan by the creditor shall be posted promptly to the obligors account as specified in regulations of the Bureau. Such regulations shall prevent a finance charge from being imposed on any obligor if the creditor has received the obligors payment in readily identifiable form, by XXXX p.m. on the date on which such payment is due, in the amount, manner, and location indicated by the creditor to avoid the imposition thereof. 

I have a photocopy of my check with their penned noted " XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ''. So the payment I sent on XX/XX/XXXX was received on, if not prior to XX/XX/XXXX. Institutional delays and procedures do not trump the Federal Law. 

-Documentation ( including the check, email messages, and phone logs ) available upon request-

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 2019-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I received a letter from convergent outsourcing Inc. from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to XXXX. Which I do not have any debt owed to XXXX. I know that for a fact. And can prove it.

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 2019-01-29 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 — Card was charged for something you did not purchase with the card
Company: First Data Corporation
State: CA

Complaint narrative:
On XX/XX/2018 I file a disputed claim with my prepaid card XXXX XXXX   dispute case ID # XXXX  for the amount of {$1800.00} there was 12 transactions not authorize by me I follow every step I need to and after 15 days of opening my dispute I got letter on the mail that my dispute was denied for controversial information, well I call them and ask them if they can send me a copy of documents they used to denied my dispute and they say yes we will send it to you but they never did I request it twice and they wont send it then I appeal the decision and they denied again so I call them everyday trying to get information why they denied my dispute they wont give me the reasons or papers they use to make there desision thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The company is Capital One/Kohls The amount is {$140.00} for the bill due, was paid by EFT from my XXXX XXXX XXXX Account on XX/XX/18 The amount was paid in full immediately, upon my being informed that it was delinquent The account was reported 30 or 60 days past due when in fact, the amount was paid before that time period The representative on the phone informed me that there would be no impact to my credit score I was never informed, at *any time* by US Postal that a balance was due. I conveyed that to the representative on the phone, when I promptly resolved the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: MD

Complaint narrative:
XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( Equifax ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Although this account is paid in full ( confirmation via email dated XX/XX/XXXX ), I received a copy of an email dated XX/XX/XXXX from XXXX addressed to XXXX stating that they were to proceed with a debt recovery case against me in the amount of {$1100.00}. Not only is this account paid in full, it exceeds the statute of limitations. I'm tired of these scammers getting away with this and I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclays Bank Delaware put a fraudulent inquiry on my credit XX/XX/2018

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 2019-01-29 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: CarMax, Inc.
State: GA

Complaint narrative:
This inquiry was made on XX/XX/2018 when trying to purchase a vehicle at Carmax-XXXX. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Summit Financial Corp.
State: KS

Complaint narrative:
Summit Financial never helped us recover this account at all. The customer service representatives we're very rude and always lied. I contacted the company through email multiply times to resolve my issues and even when the car was totaled what steps did I need to take next and still no answer. On my credit report they have it as a charge off and that is untrue. Summit Financial needs to fix my records or delete the record and its entirety.

Company response to consumer: Closed with explanation