vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
BMW Financial I've requested in writing multiple times the entire documentation available on the file including interest rate disclosures and copies of payments made and other historical accounting. Company either does not respond or when followed up by telephone says they will get to it eventually. because the items have not been produced in time in accordance with the fcra designer should be removed from my credit since they're not willing to back up their already fictitious filing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am supposed to be getting a card for unemployment it has been about 2 months and I still haven't received my card in the mail I have a paper that says I'm supposed to be getting a card that has never came I have called multiple times just to be put on hold for long periods Of time and sometime the phone hangs up I haven't talked to anybody even my employer has called and nobody has called them back I just want to receive my card in the mail like I'm supposed to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They gave me two letters of release stating the debt wasn't mine XXXXXXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXXXXXX XXXX XXXX   XXXX account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep  putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir/Madame, On XX/XX/XXXX I used my Bank of America credit card to purchase an accommodation with XXXX  for {$550.00}. In XX/XX/XXXX, I notified the Bank of America that the host did not provide an accommodation as agreed and advertised and attached a letter to the host and pictures from the apartment showing non-hygienic state of the place. I demanded the refund for service non provided. 
On XX/XX/XXXX I received a letter from BoA saying that the dispute is closed due to the fact that the host " was willing, but unable provide the service ''. The purchase was not refunded and is still showing on my balance. 
I believe the reply of the Bank is in violation of the FCBA regulation stating explicitly that the cardholder can not be held responsible for a charge for service not provided as agreed.

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 2020-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1.00}, XXXX with XXXX XXXX XXXX. This case was filed XX/XX/2000. No one from XXXX XXXX XXXX  has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above 800 before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this. I need help this correct this

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/2020 I entered into a forebearance agreement with Wells Fargo bank for the mortgage on a property that I own due to COVID-19. As a result I skipped my monthly mortgage payments in XXXX and XX/XX/2020 which totaled {$4000.00}. I resumed my monthly mortgage payments in XX/XX/2020. 

On XX/XX/2020 while reviewing my Wells Fargo mortgage account I noticed that Wells Fargo increased my principal balance from {$270000.00} to {$280000.00}. 

On XX/XX/2020, I telephonically contacted Wells Fargo bank to ascertain the reason for increase on my principal balance. The unidentified employee indicated that the principal increased because of the skipped mortgage payments. 

It was explained to me when I entered the forebearance program that the missed payments would be added to the end of the loan. I did not borrow any additional money from Wells Fargo so my principal balance should not have increased. The Wells Fargo employee could not adequately explain the principal balance increase, she almost seemed to not understand it herself. 

My mortgage principal balance remains unchanged and is higher than when I entered the forebearance program.

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 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX XXXX XXXX XXXX these account are fraud, having my false identity. They gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX IN XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX i stopped at a XXXX XXXX XXXX for gas. the outside pump said pumps not working see cashier. I went in and cashier asked for my card and i refused. I told them to turn the pump on and then i will come in and pay. They turned pump on and i pumped XXXX dollars and some change in my car. on checking my credit card i noticed another charge put on XX/XX/XXXX for XXXX that i did not purchase anything for. I only got the gas there. I complained to capitol1 and they had me fill out fraud paperwork. when i turned it in they said that it was not fraud and a dispute paperwork was filled out with the help of a person from capitol1. They reviewed and sent back paperwork that stated it lacked all info requested and at this time they say case is closed and they recharged my card for the purchase I did not make. case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Consumer Portfolio Services Inc. calls me more than 3 times in a day. Even after payment has been confirmed to be sent and speaking to representative of next following payment. Had caught up with my payments before this pandemic and had days off work because of XXXX XXXX XXXX. Doctor diagnose me with XXXX virus and I did notify this company, but was told they could not make in arrangements or extension for me. Consumer Portfolio Services Inc continued with harassment calls while I was trying to get better. All I could state is my plan was to do overtime as soon as I could get better. This company has called family member share information of my account with her by cellphone and calling her job on a recorded line regarding information regarding my account. Placing another party job in jeopardy that is not the account holder. Family member number is registered with the DNC registry and has asked this company to stop calling her and they continued to call from XXXX and XXXX. This company states that they are documenting the account, but continual to pursue bad practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX  XXXX My phone number is 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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was provided a Bank of America Debit Card " Cash Pays '' for my Short Term XXXX in XX/XX/2020. I was XXXX  and out of work from XX/XX/XXXX through XX/XX/2020. During this period I was able to withdraw {$1500.00} but have since been unable to withdraw any of the remaining $ XXXX.I have tried several Bank of America ATM 's and even spoke with a Bank of America representative with no success. I was told to contact the government agency? My card ends in XXXX XXXX. My social security number ends in XXXX. My address is XXXX XXXX XXXX XXXX NJ XXXX. Can you please assist in solving the problem. 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 2020-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
We entered into the affordable cares act by calling our Freedom mortgage and after just one month our balance has been increased {$2200.00} I was told it was for interest and that the loan would be charged interest every month and added in for every month missed during the cares act forbearance plan. 
I asked the lender where on the forms they sent that this was stated and he couldn't find it. I also stated that the cares act states that no interest would be charged on late payments. 
According to Freedom mortgage not only will the interest be added but once I start making my payments I will still have to repay the full amount that I forbear 'd. 
So that means interest will be charged on the cares act twice. 

This will and is already effecting my credit score due to the balance increasing monthly. 

My loan # XXXX with Freedom Mortgage 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 explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I started receiving phone calls from HRRG on XX/XX/2020 and continue to receive calls on a weekly basis and sometime multiple times a week. An automated computer leaves a message to please call them. " These calls are an attempt to collect a debt. '' When I speak to them, they do not have my name or number in their system and do not know why I am getting the calls. As these calls continued, I called and asked to speak with a supervisor. Not surprisingly I was hung up on. The last time I spoke to the company on XX/XX/2020, I spoke with XXXX who identified himself as a supervisor. After I explained my situation with XXXX, he asked all the same questions of my name and number and assured me I was not in their system. He placed me on hold several times and returned to assure me he was working on getting to the bottom of what was going on. He then returned to the call to tell me everything should be taken care of. The calls continue to this day. 
To be clear I have no outstanding debt and owe this company nothing. They can not explain why they continue to call me. Whether this is a " computer glitch '' or not, they need to make it stop.

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The first paragraphs detail the incident. The last few detail the damages caused by Capital One. 

On XX/XX/2020, I was making several orders on walmart.com for grocery pickup. Walmart allows you to modify your order until XXXX XXXX  on the day of delivery. When I tried to add a few items late on XX/XX/2020. My account was restricted and I could not complete the transaction. 

I called CapitalOne 's customer service and the representatives CLAIMED that he removed the restriction. I waited a few minutes to make the transaction to update my grocery selection ; however, my card was still restricted although the representative said that he removed the restriction. 

I called CapitalOne on XX/XX/2020 to remove the restriction. They stated that they can only remove the restriction if I put in extra effort liking writing a letter and providing my drivers license number and then I have to wait 7 to 10 business days. 

This is an unfair business practice. They can restrict my account within seconds, but it takes 7 to 10 business days to remove the restriction. 

I also have damages. In addition, I usually get 5 % cash back when I use the walmart card. To complete the transaction, I had to use another credit card. CapitalOne should reimburse me for the lost 5 % cash back for that transaction and future transaction at walmart.com due to there unjust restriction, a restriction that should have been removed especially since they said it was removed and I verified my identity. 

Another damages are that I had to lose time from work and suffer emotional distress. I should be compensated for my time in some fashion. Please choose an appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I HAVE SETTLED AN ACCOUNT WITH COMENITY BANK AND THIS WILL BE THE SECOND COMPLAINT AGAINT IN 3 MONTHS FOR NOT REPORTING MY CORRERCT PAYMENT AT THEIR LOCATION AND GIVING FALSE INFORMATION AS WELL. I HAVE PAID MT ACCOUNT IN FULL ON XX/XX/XXXX AND I RECEIVED A SETTLEMENT PAID LETTER ON XX/XX/XXXX. I ADVISE THE TO CONTACT THE REPORTING AGENCIES TO UPDATE MY FILE. I THGEN CONTACTED THE BANK AND SPOKE TO XXXX XXXX AT XXXX AT EXT XXXX ABOUT THIS MATTER AND AGAIN I WAS GIVEN FALSE AND INCORRECT INFORMATION.HE STATED HE WOULD SPEAK TO A MANAGER TO CORRECT THE PROBLEM BECAUSE THEY NEVER UPDATED MY ACCOUNT AND THEY STATED I STILL OWED XXXX WICH I DID NOT BECAUSE I RECEIVED VIA EMAIL THAT MY ACCONT WAS SATISFIED. HE STATED THAT THEY NEVER UPDATED MY ACCOUNT AND SAID IT WOULD TAKE ANOTHER 45 DAYS TO DO SO WHICH BOGUS KNOWING THAT I PAID MY ACCOUNT THEN CALLED BACK AGAIN TODAY AND AGAIN THEY REFUSE TO UPDATE MY ACCOUNT AND THEY TRIED TO STATED I STILL OWED XXXX. AS I STATED EARLIER THIS I THE SECOND COMPALINT AGAINST THE SAME BANK AND THE SAME PERSON THAT REFUSE TO UPDAT MY INFORMATION I THEN CALLED BACK TODAY XX/XX/XXXX AND CALLED COMENENT BANK AGAIN BECAUSE THEY STILL REFUSE TO CONTACT THE REPORTING AGENCIES THAT MY ACCOUNT WAS SETTLEDIN FULL/ 1ST PERSON SPOKE TO XXXX XXXX STATED THAT MY ACCOUNT WAS PAST DUE FOR THE AMOUNT OF XXXX. ADVISE WAS INCORRECT.. TRANSFERED ME TO ANOTHER PERSON XXXX REFUSE TO GIVE LAST NAME ID # XXXX. GAVE THE SAME INFORMATION.. STATED ACCOUNT WAS NEVER UPDATED BACK FROM XX/XX/XXXX AND ADVISED HER I RECIEVED A SETTED IN FULL LETTER. STATED WOULD UPDST FILE AND ADVISED HER THT THIS WAS STAED NUMEROUS TIMES BEFORE. I ALSO STATED WHY WASN, T THIS DONE ON XX/XX/XXXX SO WHEN THE REPORTING AGENCIES WOULD GET THE CORRECT INFORMATION TO UPDATE MY ACCOUNT AS PER THE LETTERS I RECEVED THAT WOULD BUT NOW YOY STATE AGAIN  TO UPDATE ANS SHE NEVER STAED SHE WOULD CONTACT THE REPORTING AGENCIES REGARDING THE FALSE IN FORMATION AGAIN GIVEN BY THIS COMPANY. 
THIS IS THE SECOND TIME THEY HAVE DONE THIS TO REPRT FALSE INFORMATIOM XXXX XXXX XXXX Credit reporting Incorrect information on your report COMENTITYCAPITAL BANK XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Santander failed to give me proper validation of this debt. If there isn't an account, why are they sending me statements every month.

Company response to consumer: Closed with explanation