vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This complaint is with reference to the non-performance of the extended service contract purchased for my new car from BMW North America : Vehicle ID Number : XXXX XXXX BMW XXXX 6 year XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) BMW sold me the platinum service contract when I purchased it through their BMW XXXX XXXX, CA Dealership. Additional services for car detailing interior and exterior body was paid for and added to the service contract by the finance manager of this dealership and was financed as part of the car loan sold by BMW. As a customer purchasing a new car and platinum services, BMW did not make me aware that some of these services may be dealer specific add ons being sold to unsuspecting customers. 
On XX/XX/XXXX just 2 days prior to expiration of this XXXX XXXX sold by BMW Financial through their dealership, I asked that interior and exterior car detailing services be performed through one of the nearby BMW service dealers ( XXXX, CA ). The above local service dealership refused to perform this additional services claiming it was not part of the original XXXX XXXX contract. 
I reached out to representatives of BMW Corporate at XXXX : XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX XX/XX/XXXX : Ms. XXXX A case manager was assigned to ensure that these additional services that was sold by BMW dealership at XXXX XXXX in XXXX is honored. A case manager XXXX XXXX called and emailed me on XX/XX/XXXX while I was traveling for a week. I tried reaching her at the number she gave in her email ( XXXX ; extension XXXX ) - that phone extension does not work ( I asked BMW to call this number and verify this fact ). I emailed twice ( XX/XX/XXXX, XX/XX/XXXX ) but no one from BMW is responding. 

BMW is selling additional services through their dealerships which are not being honored. Specifically, local BMW dealerships sell add-on services misrepresenting them as belonging to an established extended services contract ( 6 year XXXX XXXX ) and BMW dealers are not honoring such paid-for services. 

Under consumer finance laws of the USA, selling such services and not honoring them is a breach of contract and gross misrepresentation by the BMW company by allowing their dealers to sell additional services under the guise of their brand to unsuspecting customers. 

I demand BMW immediately honor their commitments to the services their dealership sold me and complete interior and exterior car detailing I had requested before the service contract expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The owner of the acct is XXXX XXXX XXXX. She opened up the accounts savings and checking, with the full information from the Citi Bank Official, Ms. XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, Fl XXXX with a Ph # of XXXX. 
Ms. XXXX, explained the same thin I knew through my son-in-law, XXXX XXXX XXXX, that he and my Daughter XXXX XXXX XXXX, knew from another branch and their Rep. XXXX XXXX, that this Citi Gold Acct, that would pay {$1500.00} after 60 days of investment to me and my son in law would get {$200.00} for his referral of me. The {$1500.00} would be paid between the 60th and 90th day, but so far Citi Bank has only paid the {$200.00} to my son in law, but nothing to me at all. There seems a lack of communication, because No additional paper printouts were given to me, until another Ms. XXXX XXXX, of XXXX XXXX XXXX, XXXX, Fl XXXX started sending paper work to me after the fact that both the 60th and 90th days had gone by and still I haven't received my {$1500.00} in both my savings/checking accts. 
It has been explained that my son in law Mr. XXXX and my Daughter received their {$200.00} referral money after their 60th day and got their {$1500.00} way before their 90th day. 
So why am I being treated differently??? That's why I'm making this complaint with the Office of the Comptroller of Currency, to get what belongs to me!!!! Other complaints made to Citi Bank in XXXX XXXX, Tx are these following complaints are # XXXX. This one says that yes my money should be paid out, but it hasn't, so what is the hold up?????, the other referral is XXXX, which in a letter says, We have conformed that your account has met the necessary requirements to qualify for PROMTION XXXX, so You can call the SAT Office at tell them to issue my money IMMEDIATELY!!!!!!! 
It's unbelievable that a bank that makes {$20.00} XXXX every quarter according to Wall Street Reports acts this way from people who are honestly trying to make some money from LIFE SAVINGS!!!! 
I urge to please put pressure on CITI Bank, on their practices and resolve this issue 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 monetary relief
Consumer complaint received 2021-10-02 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: TX

Complaint narrative:
I am, XXXX XXXX, Consumer and I am disputing inaccurate reporting by Transunion. 

Transunion, how was an investigative consumer report conducted for the following : Fair Collections & Out, Dept. of Education-XXXX  and XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Transunion has violated the above referenced laws. Transunion has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

The Department of Education XXXX accounts is being inaccurately reported as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of EducationXXXX alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of EducationXXXX XXXX accounts are also in violation of 15 USC 1681i ( c ) because when I disputed the inaccurate information it was not noted on my Transunion consumer report as consumer disputes information It has been over 30 days. 

*Cited from Violation sent to Transunion* *I have attached violation Notice* *I have attached my government issued id*

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 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Certified mail/return receipt has been sent as of XX/XX/2021 to TRANSUNION. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, TRANSUNION is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). TRANSUNION has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, TRANSUNION has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to TRANSUNION, this is not a third party and I have sent TRANSUNION all documents required by law.

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 2021-10-02 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: MO

Complaint narrative:
Certified mail/return receipt has been sent as of XX/XX/2021 to Equifax. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, Equifax is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). Equifax has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, EQUIFAX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to EQUIFAX, this is not a third party and I have sent EQUIFAX all documents required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

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 2021-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter to SOURCE RECEIVABLES MANAGEMENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: ALLIANT CREDIT UNION
State: MO

Complaint narrative:
Identity theft. Checking, savings and {$35000.00} personal line of credit opened in my name at Alliant Credit Union in XXXX early in XXXX this year. I received letters with my new account number and PIN. I contacted ACU and filed a complaint. No loss of money occurred. I have not heard their response yet but their Fraud division suggested I file a complaint with the FTC. I suspect it was online enrollment. Since the letters were sent to my home address in western Missouri, I am wondering if it was someone local who then planned to steal letters from my mailbox. I filed a report with my county sheriff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I contacted TransUnion about a collection from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$140.00}, which is an account I don't have knowledge of. TransUnion ignored my request for investigation and don't even answer to any of the letters is sent ( dated : XX/XX/XXXX, XX/XX/XXXX ) which are attached.I know my right and I know that by the curent law they have to complete their investigation in 30 days and if requested they have to provide method of verification. They failed both.

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 2021-10-02 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: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: DISCOVER BANK
State: MO

Complaint narrative:
Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Certified mail/return receipt has been sent as of XX/XX/2021 to XXXX. Included in the documents there is an FTC identity theft, reporting companies creating accounts using my personal/private information without direct consent, XXXX is well aware I am a consumer and I have a right to privacy pursuant 15 usc 1681 ( 4 ). XXXX has allowed my reputation to be violated because their lack of following procedures, I have provided an affidavit of state stating the violations, each company involved does not have permissible purpose to be on the report, pursuant to 15 usc 1681b ( 1 ) ( 2 ), so they are operating ting out of compliance, and are liable for 15 usc 1681n and 15 usc 1681o. I have provided my demands pursuant to 15 usc 1681b ( 2 ) to remove such accounts and block the information on the file, XXXX has 4 days of the notice to remove the information listed within FTC identity theft report and the affidavits. I have personally sent all these documents to XXXX, this is not a third party and I have sent XXXX all documents required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA SECRET. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XXXX XXXXGENESIS Financial not conducting timely investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX not conducting timely investigation.

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 2021-10-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX not conducting timely investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: GA

Complaint narrative:
XXXX XXXX XXXX not conducting timely investigation.

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 2021-10-02 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I transferred {$22000.00} from my XXXX account to my Wells Fargo account Friday almost XXXX. My wifes car is breaking down and she found a new one. I called XXXX and confirmed that wells received it around XXXX and we went to dealership. Along way I checked wells account and not there. Waited till dealers closed last night now its still not there. Its now been over 26 hours. On phone with wells and XXXX all morning. Wells kept me on hold for an hour then hung up on me, the XXXX from wells said they have no record of it nor would he provide a case or inquiry number. He also refused to transfer me to a manager. XXXX at least answered but wont even provide a confirmation number on transfer. Where is my {$22000.00}? My wifes car is almost dead

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