vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I reached out to BMW financial services to correct issues around my trade-in of my other vehicle. It took BMW financial services four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately BMW made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called BMW on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that BMW is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for BMW financial services to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need BMW financial services to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MN

Complaint narrative:
I don't believe this lender is licensed to lend in Minnesota. I took out a {$300.00} loan and the finance charge on this loan is {$670.00}. They will not honor my ACH revocation that keeps debiting my account. They say that MN law doesn't apply to them because they are using the tribal lender excuse. I believe this lender is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX. I am writing to delete the following information in my life. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: MN

Complaint narrative:
My credit score was XXXX from XXXX until XX/XX/XXXX. I was told XXXX  points was taken from my score because of to many inquiries but only 3 was reported and only XXXX  points was taken. Then XXXX XXXX XXXX XXXX brought my score down to XXXX. And there is nothing I can do to bring my score back since all my credit card are paid in full. How can one card take XXXX points from my score, when I was told that get credit cards helps build credit. 
Can you please restore my score back. I was in the process of buying a house. Now I cant ever rent an apartment!!!!!

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 2021-04-26 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: MD

Complaint narrative:
For the past 3 years, i have not been able to access my credit report from Experian despite numerous attempts both online and through their help line on the phone. I can not create a new account, access the account i created previously, or change the password. Each time, i get a generic error that does not explain the issue and calling Experian just results in them telling me they can not access my account. 

I not only don't know what is in my credit report, but i have no way to fix it. I don't know if there are errors or how to fix it. 

I have tried to access the report from Experian through the government sponsored website for yearly reports, directly from Experian website, and through ob the phone. 

I want to know what can be done to make Experian compliant with the 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 2021-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Since around XX/XX/2021, I have attempted to transfer funds to the external account I funded this account with. After repeated failures directed at the " account provider '' I have called 10 times for assistance in resolving the inability to transfer. Again, this external account, is the exact account used to fund the account. After long holds and multiple calls. I am told the issue is handled. I input a new transfer request and it fails again. Calls with the rep to my external account confirm ownership however Citi wanted me to change the name on both accounts to include full first middle and last names. I took this step at added cost to me to provide notaries copies and mail documents to Citi. After name updates on both accounts, another transfer request failed. I deleted all external linked accounts, added back the original along with two others. Trying a new external first, failed once again. Trying the newly reverified original account, failed again. Message received point to " account provider '' tho I am told on the phone is must be a problem with my external bank, both of which confirm no attempted transfer occurred.

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 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
From at least XXXX, XXXX to the current month XX/XX/XXXX, my Bank of America checking account ending in XXXX has been charged a {$25.00} maintenance fee on a monthly basis by mistake, and Bank of America customer service representatives has acknowledged and agreed that this is due to an error on the bank 's system. However, the Bank 's customer service representative was unable to refund these fees to me, because he said that he does not have authority to do so ; he could only file a case to the bank 's back office to make sure that this error doesn't happen to me again on a going forward basis.

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 2021-04-26 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: MD

Complaint narrative:
I reached out to XXXX fXXXX XXXX to correct issues around my trade-in of my other vehicle. It took XXXX XXXX XXXX four months to post the payoff I reached out on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX 201XXXX 2017 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The problem is the account is reporting 19 payments late and those payments have been reporting for more than three years which does not support the term of the loan. At the time when I first noticed the inaccuracies I reached out immediately XXXX made the adjustment and delete it from one credit Bureau agency however they have not cleared the matter from all the credit bureau agencies. I called XXXX on several occasions and was told I could not speak to anyone regarding the credit department that I would need to write a letter I have written six letters and not heard back from anyone over the past 2 1/2 years. I went to refinance my car these issues came up again that XXXX is reporting 19 payments late or 19 payments past due and I have never been been late on my vehicle beyond one month. I was under a program that extended my payments for three months and paid the {$80.00} fee which push three payments to the end of the loan however I pay those funds well in advance and I am above and months ahead on my car note. I would like for XXXX XXXX XXXX to correct my credit bureau immediately and adjust those late payments that they are reporting as they are hindering me from moving forward into purchasing a home and making larger purchases. I am trying to start a business and this has been causing me some significant problems. I have a security clearance that Im reporting and have this listed and its been listed for four years as an ongoing recurring dispute. I need XXXX XXXX XXXX to correct their errors or be penalized for false information and cause an eminent harm to an innocent creditor who has been paying her bills timely

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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I contacted Jefferson Capitol Syst, XXXX XXXX XXXX, XXXX XXXX Mn XXXX on XX/XX/2021 after receiving information that they added a previously deleted item back to my credit report. I contacted them threw Certified mail and requestied them not contact anyone else about the debt until they sent me a complete validation letter. The return mail was signed by a XXXX XXXX XXXX on XX/XX/2021. XXXX XX/XX/XXXX they contacted XXXX again about the debt without sending any information asked for in the verification letter. The initial bill was deleted from all three of my credit reports in XXXX when XXXX failed to respond in any form or fashion to any of the multiple dispute i sent in to all bureaus. In XXXX XXXX months later, after XXXX knowing they could not get the account re-inserted onto my credit they, vindictively sold it to Jefferson Capitol. These tactics are horrible and cause so much hardship to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Total title fees charged for XXXX XXXX 's, Loan Depot 's affiliate third-party, services increased by {$300.00} over the amount provided in the loan estimate disclosure. The additional {$300.00} represents a 42.3 percent increase over the initial disclosed amount. There were no changes in to the loan terms XXXX loan amount, interest rate, term, down payment, nor cash to close XXXX. The increase is in violation of RESPA. 

Title 12 Chapter X Part 1029 ( Regulation X ) requires that loan estimates be provided in good faith. Section 1026.19 ( e ) ( 3 ) ( ii ) details circumstances and limits for which charges for a third-party 's services or a recording fee can be increased. Because there were no " changes in circumstances '' the increase in fees is in violation of Federal regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NJ

Complaint narrative:
Previous Complaint : I noticed inaccurate information on my consumer report and requested an investigation into these items, but never received a response and it is to my knowledge that I should receive a response within 30 days. I submitted my initial request on XX/XX/2021 and today is XX/XX/2021, which makes it the 31st day, so I am demanding per the FCRA that these inaccurate items be removed. I've attached the original documents and will be attaching my Demand to Comply letter as well. 

New complaint : I've submitted an FTC report and attached it because the previous issues were not resolved.

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 2021-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The amount was incorrect and my account was sold to a collection agency after the statue of limitations expired. once the credit bureau remove 's the debt from my credit report it keeps showing back 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 2021-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Hello, My fianc leased a brand new XXXX XXXX XXXX through XXXX XXXX located in XXXX Florida. On XX/XX/XXXX we turned in our XXXX XXXX XXXX completely paid off and proceeded to lease a brand new XXXX XXXX XXXX. Our original loan was through GM financial. We received late payment calls and emails from GM financial after XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX we receive 11 recorded calls from GM financial where we explain the situation over and over again. We stayed that we had turned in XXXX XXXX XXXX with a paid off lease and the dealership XXXX provided us paperwork that they would be purchasing the car from GM financial. On XX/XX/XXXX GM financial reported a late payment to the credit bureaus and this caused my credit to drop from over XXXX to the low XXXX. We did everything in our power and what was expected of us to turn in this car and get a brand new car and we specifically said to GM financial we did not want this to affect our credit The car was no longer in our possession and we paid off and completed the lease terms so it was not our responsibility. Every representative i had spoke to from GM financial told me that they would call XXXX and get to the bottom of it. We called XXXX XXXX many times to have this issue resolved and every call became less respective and difficult to work with their employees. Me and my fianc feel like XXXX tried to steal the XXXX XXXX and hoped that no one would notice. We need to have this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Block, Inc.
State: MD

Complaint narrative:
I recently applied for a PPP loan though a lender. 

I am writing regarding a recent email that I received regarding my recent application through Square for a PPP ( paycheck protection loan ) loan enclosed I have attached a copy of that email received on XX/XX/XXXX. 2021 The email states I was denied a loan because of my past criminal history I asked that the lender forward to me in written form the following information : Specific crimes or convictions that this decision was based upon. 
Date of convictions of any and all XXXX convictions this decision was based upon Jurisdiction of the conviction that this decision was based upon Name of the Court providing such records of convictions this decision was based upon. 

Please forward all to me at the following address XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX XXXX For any questions I may be reached at : Thank you for your time and attention XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a checking account in Chase bank. The account number is : XXXX I got a secure message from the bank that I got a return request of XXXX  USD on XX/XX/2020. Well, it was a misunderstanding from the payer 's bank due to the incorrect beneficiary address of my account information, which might make the bank feel suspicious and generated a recall request without the payer 's intention. I also had contacted the payer, Ms. XXXX, who is my friend. She told me that she had explained and clarified everything to her bank by sending some proof documents on XX/XX/XXXX. Probably her bank also faxed something to Chase bank to cancel that request. But, until now, Chase bank still froze my account. ( Attached is the screenshot of SMS from my payer, Ms. XXXX XXXX XXXX Well, I do understand that Chase bank will take some time to hold my account for further review. I respect it. But I can not accept that Chase bank suddenly withdrew {$2900.00} USD from my account without my permission and explanation. I called the hotline and was told that they are going to close my account and it was the charge for account closure, something like that ... which is totally not acceptable. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: PA

Complaint narrative:
For the last 45 days, I have been reaching out to XXXX XXXX XXXXk regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.

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 2021-04-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: PA

Complaint narrative:
For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX  regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.

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 2021-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I sent money to the wrong bank details i have made a monet transfer from my wise account to a recepeint wise account but i made a mistake the account number should be 10 digits but me i forget one digit in the end. 
my membership number is : XXXX

Company response to consumer: Closed with explanation