vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
I have an auto lease with BMW Finance. 
I have set up auto payment since the beginning of the lease on XX/XX/XXXX. All monthly payment went well except for one on XX/XX/XXXX. 

BMW Finance usually collects $ XXXX monthly via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$79.00} on my bill and collected that amount via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$940.00} on my bill and successfully collected that amount via auto payment. 

According to BMW Finance email, it was caused by their own computer system error. When I contacted BMW Finance via phone, the representative promised to fix the issue.

I did find the payment was made up the next month via auto payment. So I assume this issue was resolved.

A few months later I received alert from my credit monitoring service that there was a late payment and BMW Finance initiated debt collection and reported my miss payment. I ran my credit report today and saw the error went on my credit report, saying that I have one over 30 days late payment. 

While on this auto lease, I have never changed payment source, nor did I change payment schedule. I signed up paperless payment so I did not receive any communication from BMW that I missed payment. In fact BMW Finance was trying to secretly fix their error by making up the amount in the next month 's bill, and collected it automatically, without issuing me any written notice for record. BMW Finance is 100 % responsible for their system error and the representative admitted it via phone.

BMW Finance refuses to provide any written evidence of this issue thus making it very hard for me to  make a dispute to correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company XXXX XXXX, lender reached out to us for re-financing in XX/XX/XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from XXXX XXXX ( XXXX XXXX ) subsequently. 
I requested XXXX XXXX to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XX/XX/XXXX with Mr. XXXX XXXX. 

XXXX XXXX XXXX XXXX  Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX Mr. XXXX XXXX refuses to remove my request of XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by XXXX XXXX in order to obtain VA re-financing. ( one day apart ) Mr. XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with XXXX XXXX  I am not the only consumer on whom XXXX XXXX used their predatory practices. 

XXXX XXXX XXXX XXXX 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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account had been opened with my social security number and was showing up on my Equifax account as unpaid. The other two credit agencies did not place this fraudulent account on my credit report. 

I opened a dispute with Equifax, with whom I've had a security freeze since XX/XX/XXXX. In XX/XX/XXXX, I moved to Pennsylvania, where I currently live. This fraudulent account was opened in XX/XX/XXXX for the address XXXX XXXX XXXX, XXXX AL XXXX. The reference number for the dispute is XXXX. 

Equifax closed the dispute, claiming I lived at the address in XXXX Alabama. I have never lived at this address, which can easily be verified by looking at my current mortgage information. 

I'm horrified that someone can fraudulently open an account, that the utility company with whom they opened the account never conducted a proper credit check ( if they had, they'd have seen that I have a credit freeze ), and that all it takes is for a company to claim I lived somewhere for this to negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Our experience with XXXX XXXX is very negative.Aside of sending wrongful amount on the bills, it is destring physically our community. Last week XXXX subcontractor had blown up 3 buildings in XXXX XXXX, it shows the profile of the company I am complaining about. 
In XX/XX/XXXX after speaking to customer service rep. I was told we owe nothing, 2 year contract finished in XX/XX/XXXX, my phone is paid off. After long fuss, going to their store, not receiving credits for wrongful charges we and our daughter are on collection for XXXX Collection Agency is Convergent, client # is XXXX, spoke to XXXX XXXX Please help to bring this company to behave fair, and with intergrity

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 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These are inquiries that I don't recognize : XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I borrowed approximately {$20000.00}, consolidating small loans into one loan in XXXX. Over the years I have paid approximately $ 16,000+ towards this loan. Navient. Need I say more? Despite repeatedly asking over the past 20ish years if I had any other alternative regarding payments, Navient always replied that my only option was a forebearance or pay the past due amount in full. AT NO TIME did they offer me income based repayment. They did this intentionally as they make MUCH more money via forebearances. Had they done so, the loan would be paid off by now. As it stands today, they have my balance at over {$44000.00}. Seriously???? My loans originated in XXXX, but I have lived in XXXX since XXXX. I have filed a complaint with Sen. XXXX XXXX and asked him to intercede, but not sure how much that will help. Navient is now in the process of confirming my employment, etc., which, my being a XXXXXXXX, I know means they are preparing to sue me. This will be patently unfair and highly injurious to me. I do not believe I should have to pay through the teeth for Navient 's ongoing lying, cheating and stealing. I would like to join any lawsuit available, ESPECIALLY filed by the CPFB. Please advise on how I can stop this ongoing harassment and have my loan recalculated from the first time I was given a forebearance and should have been offered income based repayment. Once this is done, I believe they will actually owe me money, as their payment records ( which despite years of requesting, only recently received from the Feds ) show that I have paid nearly the amount borrowed, and my income has never been high. Further, my primary income has been from XXXX for the last 19 years, and very low at that. Thank you very much for your assistance. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went to the bank After my shift was over in a XXXX I walked over to the machine I had three stacks of money the first stack was {$77.00} and that went in perfectly into my account the machine was out of receipt paper it offered to send the receipt to my email I refused because I trusted the machine to count my money and put it in the account the second time I went to use the machine I put the money in the machine it counted it it never show me how much I put in the machine and then it kept saying please wait an then the machine spit out my card and it never went in my account or was counted for .. I went to the bank after I called them first thing in the morning the woman there told me that I need to know how much money I put in there I told her that it was late and I was tired and I was drinking and I trust the machines to put the money in the account and I trust machine to count my money she just told me that she would just put a dispute in and then she told me that its my job to know how much money I have putting my account So I asked her theres no way for you guys to check the machine to find out where that missing money went and she basically told me she couldnt help me and earlier in the morning when I first called the woman hung up the phone I just feel like they were unprofessional and they didnt try to do everything they could to help me the other woman made it seem like I just lost money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.

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 2019-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: NV

Complaint narrative:
I took out a loan on or about XX/XX/18 in the amount of XXXX dollars. I have been making bi weekly payments on it on my due date in the amount of XXXX. I asked to skip 1 payment and I was granted it. Then I asked for a payoff amount on XX/XX/18 which resulted in the amount of XXXX. That is a ton of money given that I have been making payments on this since XXXX. I feel as if my amount requested and the amount I have been paying has not made a dent in the my loan. I am underwater here and trying to make it work out. I don't believe it is right for them to have to charge me such a high finance rate and almost triple the amount owed if I make the correct amount of payments on it. I can not find my loan number on my agreement either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2018 I applied for a loan modification with Bank of America. I was denied the modification as they said they could not confirm my residency in spite of my sending multiple documents showing I lived on the property. The modification was requested as we were having financial difficulties due to my husband 's illness. As we were significantly impacted we had to move in with family for a time but kept our home. Once he was better and our income stabilized we moved back into our home. This was all explained in detail to B of A. 

We came to find out that the bank initiated the foreclosure process even though we were in the process of trying to get our loan modified. We live in California and this is illegal according the the California Homeowner Bill of Rights. 

We then were charged fees associated with the foreclosure! If it's illegal to begin foreclosing on a home while attempting to get a loan modification, then it's also illegal to assess the homeowner fees associated with the foreclosure.

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 2019-02-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a 5/3 XXXX credit card on XX/XX/XXXX which gave me 0 % interest on initial balance transfers and purchases for 12 months. 

I have made multiple payments during billing cycles on several occasions and the account is in good standing with no late payments or fraudulent activity. 

Upon logging on XX/XX/XXXX to make a payment my account was inaccessible. I contacted costumer service and after talking to the fourth representative I was told that the account was closed and the credit card was revoked on XX/XX/XXXX due to potential fraud for all users of this card type in California. 

I have automatic payments set up on this credit card and have made all of my payments online through the internet banking portal, these have now been deactivated and I am now required to make payments over the phone or through mail. 

I am also not able to make purchases for the remaining three and half months I have left at the 0 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
constantly calling and I do not owe them anything. 
They are calling my wireless number, which by law, they are not supposed to without my authorization which I never gave them. 
I don't khnow who they are, and won't give personal information to any random company that contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/XXXX. The Balance should be XXXX  ( XXXX ). This is a blatant violation. 

*They are also reporting that there have been 2 more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/XXXX and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

* I have also requested an Original Signature, showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

* Invalid Account # XXXX Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why Equifax is not reporting it correctly and they are refusing to send me any reason why. 

All of these items are a Violation to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: VeriCore, LLC
State: TX

Complaint narrative:
We received a letter from XXXX XXXX with the collection company Vericore on XX/XX/XXXX stating that we owed a debt to XXXX XXXX XXXX for invoices from XXXX and XX/XX/XXXX, and that they intended to file a personal lawsuit against the owner of our company if that debt, legal fees and collection costs were not paid in full. Our accounts payable clerk reached out to XXXX XXXX that same day via email to let him know that we had already paid some of the invoices in question. She sent him copies of the checks that had been mailed and cleared the bank. She asked him what the balance was and how we could pay it. 
XXXX began calling and emailing daily from that point forward. He told the accounts payable clerk that if we paid the full balance of {$3800.00} he would be able to negotiate with our vendor to waive the fees and legal costs. We wrote a check for that amount on XX/XX/XXXX and sent him a copy of it. He immediately responded that it was not the correct amount because it did not include the fees. We told him that we were not confident that the balance he was charging was what we actually owed and that we wanted to confirm with our vendor. At that point he began making threats about calling our bank, vendors and other lenders about the debt. He said he was going to file a lawsuit against our owner. He started calling the office several times a day, and my personal cell phone and leaving voice mails. His emails were sent to four different employees of the company and were increasingly rude and threatening. 
On XX/XX/XXXX I sent him an email asking him to stop harassing us while we got to the bottom of the situation with XXXX and paid the debt. He responded multiple times on the XXXX and has already emailed twice today. His first email was sent at XXXX XXXX. He was never given permission to call me on my personal cell phone or to email XXXX XXXX one of our superintendents. 
We overnighted a check paying the balance in full to XXXX billing company today, XX/XX/XXXX. After filing this complaint I intend to make a complaint with XXXX and send a formal cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When I bought my house in XX/XX/XXXX it was through countrywide bank. When the housing market crashed the loan was bought by Bank of America. The way I got into my loan was no money down, no income verification. So the way countrywide did it was a conventional 30 year mortgage and a HELOC. In roughly XX/XX/XXXX Bank of America modified my conventional mortgage which temporarily helped but now I am trying to refinance and can't because only a minimal amount was going towards the principal. Between my conventional Mortgage and my HELOC I can't find anyone to refinance my loan due to contributing factors. I feel minimal help from Bank of America has put me in a financial bind.

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 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion XXXX XXXX please take notice to statement that Pra validated an alleged debt and that you are in violation of the FCRA, FDCPA. PRA has not validated anything and making statements to your selfs puts you at risk of a law suit. PRA 'S failure to produce evidence 3 times to the CFPB telle 's they refuse to accommodate any evidence. enclosed in this dispute are 10 factual questions they have refused to answer making anything they claim to you hearsay, non factual, this will use in the future where it may become necessary you are now requested to remove this account and by releasing any information that claim that is permissible is false and fraud with out the proper documente 's that they refuse to provide this is stated so the CFPB is witnessed to the facts and that you are involved in this by reporting

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 2019-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I been trying for more than a year since my 10 year interest only note came do on the second mortgage I can not pay the whole thing and have been asking for a payment plan when I started this they told me not to pay anything till this got worked out .I did get my first mortgage modification done over a year ago and sill nothing and not they are trying to take my family home we have lived and payed on this home for more than 12 years now I mam XXXX years old and have been send them the same updated documents every month over and over again. 

Please Help

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