vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Re : Dispute of 30 day late payment for fraudulent lease extension on BMW Lease To whom it may concern : I am writing to request an investigation into the fraudulent activity that occurred on my account resulting in a 30 day late payment on my credit report. 

I leased a XXXX XXXX XXXX from BMW Financial for a period of 36 months ending XX/XX/XXXX. 

I returned the car at the end of the lease having made every single one of the XXXX payments on time as my account was on autopay. 

In the first week of XX/XX/XXXX I was notified by a credit monitoring service that my score had dropped due to a negative mark on my account. When I checked my credit reports I saw that my lease term had been changed from 36 months to 38 months and that the XXXX payment was showing a 30 day late payment. 

Since there should not have been a XXXX or XXXX month I called BMW Financial Services who advised me that I had extended my lease over the phone. 

I have called multiple times since and have advised them that if someone extended the lease over the phone it was certainly not me. I was eventually advised to send my dispute in writing. 

On XX/XX/XXXX, I spoke to XXXX in the Lease End Department at BMW Financial, who told me that the lease was extended on XX/XX/XXXX, long after I had returned the car. He also told me that the payment of {$2300.00} for the fraudulent 2-month lease extension was made from a XXXX checking account with an account number of XXXX. This is not nor was it ever my bank account. 

I assume the leasing broker or someone related to the dealer impersonated me to extend my lease for one reason or another as I have attained a copy of the odometer statement used to turn in my car which was not filled out by me, and has a fraudulent signature that is not mine. 

I suggest that BMW Financial listen to the recording of the phone call when my lease was supposedly extended and compare it to other phone calls of me calling in, it will be evident that it was not my voice doing the extension. 


Lease agreement for XXXX XXXX XXXX for term of 36 months Odometer statement FTC Identity Theft Report Police incident report slip for crime of Identity theft Please remove this blemish as soon as possible as I have otherwise perfect credit and this is clearly a case of identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I have been trying to access my GRAIN TECHNOLOGY acct since XXXX of XXXX. I have opened multiple tickets regarding this and no one has gotten back to me. I went to their XXXX page and noticed other consumers complaining about the same issue. My account info is no longer attached so payments arent being auto deducted but thank God because I cant even access the account to manage any bank info. When trying to use the app it just is a blank idle screen and it never works no matter if u update it or not. They can report my late pmts and tank my credit score but there isnt even a way to speak with a live rep. I would call this company fraud at this point because they dont respond to you theres not way to access my account and my score is being severely affected due to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It was very difficult to open a business checking account under the same XXXX number. 
Chase Bank XXXX XXXX XXXX XXXX, TX XXXX. 

The staff were uninformed about XXXX. I was told that I cant use the same XXXX to open another business. 

To much waiting for a simple job and very unprofessional Vice President. XXXX XXXX XXXX, XXXX ID XXXX The vice President of the bank, XXXX XXXX XXXX, threatening me to forcefully remove me from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My Chase card was double charged for {$10000.00} USD by the XXXX XXXX in XXXX on a XXXX stay for 6 rooms and the Hotel had already charged my XXXX XXXX Credit card. I paid the XXXX XXXX card and immediately notified Chase of the error in XX/XX/2022. I sent Chase documentation to show XXXX XXXX was already paid and also sent them the email from the hotel GM and Finance manager saying they would issue a credit to Chase, which they have not done yet. I have called Chase every month since as they have " investigated '' the issue and each time the representative would ask me for additional documentation which I would fax or upload within 24 hours. Chase would send form letters that I received about three weeks later which would prompt me to call them again. 

Chase has just informed me that although they see XXXX XXXX was paid, there is nothing they can do because it took so long for them to resolve and they want me to pay them too. I told them the reason it took so long is because of them taking 5 months, not me as I gave them whatever info they asked for within 24 hours. I have copies of all the documentation I sent them. 

Today, 6 months later, Chase is telling me I need to pay them and get the money back from the Hotel. I explained that I am in the middle of the transaction and that's their responsibility not mine as I don't know if in fact the hotel hasn't already credited them back. They threatened to put me in collection if I didn't pay them and ruin my XXXX credit score and I made them aware I sue them for damages besides getting this this to every consumer protection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: The Best Service Co.,Inc
State: CO

Complaint narrative:
In XX/XX/2022, a collection letter was sent to me from Best Service. I sent a certified letter in response asking them to validate this money they alleged I owe. In XX/XX/2022, they sent a letter back basically saying " they've decided I owe this money, and have no reason not to pay it. '' However, they have not provided any documentation showing what the charges are for, any agreement with my signature or the original creditors. I responded back also in XX/XX/2022 with a cease and desist for failing to validate. They are still reporting on my credit and yet has sent me any reason that I owe this money. 

I've included copies of all letters sent and received. As well as a copy of my 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We had contracted with XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX. Their bill is dated XX/XX/2021. Work was not begun until XX/XX/2021. They had to install tile and redo XXXX XXXX that was damaged due to winter storm that caused power to go out and the water too freeze on the top 4-5 inches of the pool. 
What they gave us as a price was for a total of {$8400.00}. This was for XXXX XXXX XXXX XXXX. They charged us {$10000.00}, on an e-mail that I have attached, which we paid by check. Did not catch this difference until researching other issues which they failed to respond to numerous e-mails and then compared their hard copy of their bill and then a separate e-mail they sent us saying what to pay. We did not ask or approve of adding or changing anything more than what was listed on their bill. 
I have submitted a claim to the XXXX XXXX XXXX and they have contacted them several times and XXXX XXXX has not responded to the XXXX. 
XXXX  has now said since they failed to make contact with either them or us they will post our complaint on the XXXX  website. 
Any assistance you could provide in recouping the difference of {$2200.00} would be appreciated. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
In reference to previous CFPB complaint ID # : XXXX Bridgecrest has violated my rights and failed to address these violations or lawfully remedy the issue to my satisfaction. 

Bridgecrest has illegally obtained my personal information and fraudulently used my social security number. I have never given Bridgecrest a SSA-89 form or given them permission to use my social security number. Bridgecrest is tampering with government property as my SSN was issued by the US Government. 

I filed an Identity Theft Report regarding Bridgecrest on XX/XX/22. 

I gave notice to Bridgecrest, which was received on XX/XX/22, that I would be rescinding from any fraudulent, implied contract that may have been made without my knowledge or permission in conjunction with the contract with XXXX. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Bridgecrest and returned to me on XX/XX/22. 
Bridgecrest received a Cease and Desist notice as well as a Validation of Debt notice on XX/XX/22, and returned them both to me. This alleged debt is disputed for fraud and Bridgecrest has not ceased to collect the debt. Bridgecrest refuses to provide any actual accounting or prove the alleged debt is valid and not fraud. 
Bridgecrest refuses to recognize my legal right to exercise the administrative process. 

I will be taking further legal action and forwarding my complaints with supporting documentation to the Attorney General.

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 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
These are the last 5 payments I have made : XX/XX/2022 : {$2500.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$670000.00} ( This is where I noticed the issue. ) XX/XX/2022 : {$2900.00} Account Balance was {$11000.00} on account statement for period of XX/XX/2022 - XX/XX/2022 and after payment of {$6700.00} posted, I see {$5800.00} current balance. I believe the balance should be {$4400.00}, however, I am unable to see amounts before and or after payments have posted on app nor website. 

I contacted their support via phone to inquiry about the reason for the missing $ XXXX and was repeatedly assured it was calculated correctly. I asked for amounts before and after each payment and they refused to provide this information. The rep said they don't have the information and that they have to manually calculate it. 

After putting me on hold multiple times, the rep asked to confirm my contact information. They updated my address, then said, " Did you need anything else besides your address updated? ". When I responded that I still needed the balance history of before and after each payment, the agent hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-20 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Midland have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. Midland have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Applied for a pre-approval on home mortgage. Submitted the necessary documents to the mortgage consultant of M & T Bank in XXXX DE approximately XX/XX/XXXX. I received numerous phone calls which I deemed condescending and derogatory. Follow ups and clarifications were addressed however I never received any correspondence stating my pre approval was awarded or denied. I received via USPS one letter dated XX/XX/XXXX thanking me for applying for credit at the bank and how my credit score will be used. Nothing else was sent nor did I receive any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
There's is a derogatory mark on my credit report with XXXX Opened On XX/XX/2018 XXXX XXXX XXXX XXXX  in XXXX, OH reported a balace of {$6000.00} on my credit which I believe it was as a result of an identity theft. I have never lived in that apartment or neither have I sponsored anybody to live there. As a result of that Fabco  ( Debt Collection Company ) has been harassing me to pay the amount in full that I dont have any knowledge of. 
Fabco contact info XXXX XXXX XXXX XXXX OH XXXX Hope to see my credit restored as soon as possible l. 
Thank you

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report either. 

Please see attached uploads, and highlighted areas= inaccuracies reported. 

Account Name : XXXX Account # : XXXX Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : NOT REPORTED ( Maybe XXXX  XXXX ) Account # : 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 2022-09-20 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: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Mr cooper mortgage put a negative report on my credit without notifying me of one late payment, no calls or letters was sent to me to remind me of the late payment. I'm on a process of closing on my new home which is suppose to be on the XXXX of this month. 
Please I want this issue to be resolved because the negative impact they made to my credit score is not fair to me and it's unacceptable. 
The late payment happened due to miscommunication between I and the representative when I make a payment arrangement with them in XX/XX/2022. 
The representative that I spoke to did not explain thoroughly to me about the payment, I tot I will start my regular payment in XXXX not knowing that It start in XX/XX/2022.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I'm being charged penalty fees for my Dillards - Wells Fargo account, even though my balance was paid last month. 
On XX/XX/XXXXXXXX XXXX I paid Dillards West Fargo phone system the amount of XXXX dollars from my XXXX Account. 
Just recently, I started to receive delinquent calls from XXXX XXXX demanding a payment for delinquent fees. 
I stated I had paid the XXXX balance on time and I had the record. 
After 2 hours of dealing with their system and customer service, they could not acknowledge my payment and requested a fax with the bank statement. 
Their customer service is deficient and does not keep accurate track of the incoming payments.

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