vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XX/XX/XXXX - BMW was repossessed while making payments and trying to catch up, BMW didn't want to work with past due amount, repossessed vehicle 1 week after last payment. 

XX/XX/XXXX - Past due balance on vehicle is {$2300.00}. Amount required to reclaim vehicle and personal property from vehicle due to excessive fees is {$4200.00}. BMW refuses to work with me or lower any " fees '', charging almost 100 % to recover the vehicle and personal property. 

XX/XX/XXXX - Had to pay entire {$4200.00} at great personal hardship and expense, diverting funds away from mortgage and tuition in order to recover car and pay BMW 's almost 100 % fee. 

XX/XX/XXXX - In addition to a BMW separate {$850.00} " repossession fee '' that I was told was paid to the repo company, I was just informed that I will still have to pay the repo company a separate {$500.00} fee. So there's a double dipping repo fee - {$850.00} to BMW and {$500.00} to the repo company, for a total of over {$4700.00} on a past due {$2300.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Clarity Services
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: FactorTrust, Inc.
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
In XX/XX/2017, I ( XXXX XXXX ) paid an amount to Ford Motor credit to settle my loan. My vehicle was repossessed, and there was a large deficiency balance owing. We came to an agreement on an amount, I do not recall the exact amount, but it was around $ XXXX I was told if I paid this amount, my loan would be considered paid in full. I did this, they gave me a letter stating I owed them no further money that I will attach- and my loan reports as Paid in full to the credit bureaus. Last week, XXXX XXXX and myself received a notice from the IRS stating we failed to file a 1099C for forgiven debt. We had no idea this was a requirement, or that more monies would be owed to the IRS if we paid less than the actual amount on our loan. Ford Motor Company did not do their diligence as a company to inform the consumer there would be adverse affects and more money to pay if an agreement was made to pay less. We were told this was resolved. No further obligations. Now we are being charged {$3400.00} in back taxes for not filing the 1099C- Ford should have communicated this requirement to us, they did not. We want a letter from ford waiving the 1099C- as this was not properly disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
last year i started disputing a late payment with Bank Of America because i've never been late, so they closed my account since then and i have tried to correct the matter with them, they have send my account to a collection agency, the collection agency couldn't verify it, now its with a law firm and the law firm is not verifying anything. All i wanted was for the late payments to be remove.I feel like i'm being Harass Time after time dealing with this issue.I even have a letter from 2018 trying to get this verified

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 2020-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
After filing complaints i would get email notices claiming that they were going to work with me and all i need was to provide proof of income for ninety days and it has to be enough to support the loan. I submitted information timely and they result is the same. I cant get in contact with mr coopers liaison specified on the paperwork. XXXX XXXX assistant vice president of loss mitigation assured me this would not happen because the reasons prior for the modification denials ( they lost paper work, wanted update award letter of food stamps even though the letter stated it was a SIX MONTH BENIFIT and the dedicated email address XXXX was not receiving ignoring or deleting vital emails??? ) was that i didnt have income and my income had definitely changed. The irony to all this isni went with this with another assitant vice president XXXX XXXX who had the same talking points. So we have a blatant pattern or manipulation and misinformation. My family had be hounded with threee to four phone calls a day and most times its AFTER i lve talked with a representative. I have no choice but to file chapter XXXX bankruptcy even though the VA assured me that Mr cooper would work with me and nothing has happened at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MD

Complaint narrative:
I am currently working on trying to fix my credit and take care if debts if I owe.I Contact Penn Credit ( collection agency ) to dispute inaccurate information amount wasn't aware of this bill. XXXX XXXX XXXX XXXX send paper work which I requested and what they sent was not a bill, I contact Penn Credit on XX/XX/XXXX they sent back paper work which they couldn't understand, So they contact XXXX XXXX XXXX to send them something concrete and they keep sending back same information.Would like this remove from my credit report, it's been almost 60 days and no results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Approximately XXXXI received this loan through XXXX  XXXX back and returned it. Over the years I went to school and didn't realize this was a loan that was added into my other loans that I returned. I never went to the school. I filled for bankruptcy in hopes all my bills along with " it '' would go away shortly after bankruptcy was settled AES began contacting me again, Now attempting to purchase a home I was advised there was nothing I could do and to just pay it as I did. Now I am being told that this company XXXX XXXX XXXX has had several law suites. I have called and received no help or feedback. and I am looking to be relived of this debt I never used or went to school for. I can prove I never went to the school associated with this loan and attended school where I received financial aid over four years later. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo allowed a previous owner and business partner close the business checking account despite not having the current LLC paperwork filed with the state of Pennsylvania which shows that he is not a member of the organization any longer. This happened on XX/XX/19. He left the organization on XX/XX/19. I then went to Wells Fargo and informed them of this issue and tried to give them the most current paperwork for the organization and they would not accept it. The next day, the former owner opened new checking accounts without proper paperwork and paid money out of the account that Wells Fargo gave him access too. This has not only damaged our reputations and hurt us financially, we also have no access to old financial records. By allowing the old partner to close the accounts, Wells Fargo has made it impossible for us to reconcile our bank records for the end of year tax purposes. We have not been able prove our financials in order to get approved for banking and customer payment processing with other companies because of Wells Fargo 's actions

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 2020-01-09 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: IL

Complaint narrative:
I have filed numerous disputes about collection agencies claiming that I owe them money when there is no agreement between me and them to pay any debts. These collections accounts were removed by Experian about three weeks ago, but then Experian put them back on my credit report about two weeks later and, as a direct result, I have been denied two car loans.I do not owe these collection agencies any money and no judgment by any coompetent court having jurisdiction has ever rendered any judgment against me for any closed accounts debts.

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 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rushmore Service Center, LLC
State: OH

Complaint narrative:
robocalls twice a day everyday no message left they spoof the number so you do not know who it comes from it inly comes up as spam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
On XXXX the XXXX, 2020, I received a phone call from thee number XXXX. I asked what it was in regards to and they refused to answer. I asked what company she was calling from and she mumbled it out. She refused to spell it to me. I asked what kind of company it was and she refused to tell me without giving her my name. I had withheld my name at that point. I asked her again and I told her that the FCC laws ask that she disclosed this information to me or it could be construed as an unsolicited call. At this point it was an unsolicited call because she did not tell me who she was or why she was calling or what kind of company she was calling from. She refused to tell me anything until I verified whether I was or was not who I am. The name of the company was FH Cann And Associates. I called the party back and I requested this information once more and she hung up on me. Her name is XXXX. They called me earlier this month several times under different spoofed numbers. I have told them every time that I'm not giving my name out until I know why they are calling and they keep hanging up. And goes back to the same people. I have finally got the name so I thought I would report it today as this is an illegal practice. To this very 2nd, I have 0 idea why they would be contacting me. Nobody will tell me. I am in hopes that they will stop harassing me. I would like to be able to answer my phone and not be harassed. I've had at least 4 calls over the past week from unsolicited agencies, probably all this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/XXXX I notified all three credit bureaus that I was a victim of identity theft. In the packet I included the FTC identity theft report, the proof of my identity, and a copy of the fair credit reporting act section 605B. There were multiple accounts that were opened in my name. I identified an account with Discover Bank as one that was open fraudulently in XXXX of 2016. 

On XX/XX/XXXX I received a letter from Discover requesting information to assist them in investigating the account. On XX/XX/XXXX, I submitted the requested information, including a copy of my federal tax return, showing that I did not live at the address that they had listed on that account. Whereas I requested any and all information that was used to open this account, I was not provided that information. Included in that letter was a copy of the FTC notice to furnishers of information which outlined that upon receipt of a consumers written request that includes an identity theft report that the information furnisher must cease to report that information to the CRA. 

XX/XX/XXXX, I received a letter from Discover saying that they researched the dispute of liability for the account and found the account to be valid. The letter also said that the payment in full is currently past due and until the full payment is made the negative information will continue to be reported to the reporting agencies. I also recieved a large envelope that contained copies of statements that weren't sent to the address that I resided. I immediately contacted Discover directly requesting the information that was used to determine that the account and balance was valid. I was informed that they did not have to provide me that information. I have continued to request this information and have made no progress. I don't understand why if I provide multiple pieces of information as to this account not being mine and opened fraudulently why the bank who is reporting this negative information will not provide me with any information as to how they came to that conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I contacted my mortgage company by phone, to get my information on a total pay off for my mortgage. The total amount for the pay off was giving to me. Once I applied for the load amount to pay of the mortgage loan it was denied. First Citizens Bank of XXXX XXXX XXXX XXXX, XXXX XXXX whom I spoke with at the Bank that holed the mortgage on my home mortgage, reported on my credit, which took 30 points of my credit score. denied my approval to pay of my home mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
A company names XXXX XXXXl, XXXX held a seminar for a " Timeshare '' relief on XX/XX/2019. the company applied for a credit card ( Chase Freedom ) in my name having me to sign a small piece of paper with there XXXX   XXXX XXXX name on it. I thought I was paying for services, but I never received them. 

I tried on numerous occasions to contact the company by phone ( incorrect numbers ), by certified mail ( no response ), and by email ( no response ). 
I contacted the Attorney General 's office about this company. I found out that the company was a scam ( judgment placed against the company by the attorney. ( Case NO XXXX ) I contacted the credit card to explain that the credit card is part of the judgment and fraud by the company XXXX XXXX, XXXX. They are refusing to let me out of this bill. 

They stated that since I began paying on this bill, I am responsible. I paid on the bill to protect my credit and until I was able to get all the information needed to help my situation. 

I need someone to assist me in cancelling this card and balance in my name..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
KNOWLY PROVIDING FALSE INFORMATION TO CREDIT ALL 3. THIS ACCOUNT IS BEING FALSELY REPORTED BEING OPENED ON XX/XX/2019. THAT HAS A HIGH IMPACT ON YOUR CREDIT UNDER 2 YEARS. THEY XXXX WERE BOTH REPORTING THE SAME INFORMATION AT THE SAME TIME FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of 2019 I was visiting my sister in XXXX XXXX Mo. We went to the mall in XXXX XXXX and went to the XXXX store there in the mall. The sales associate asked me if I would like to open a XXXX account since we had a store here in the mall in XXXX, Tx. Unknown to me when I presented my drivers which is the form of verification plainly states the name of XXXX XXXX XXXX. Even the signature under the picture plainly states XXXX XXXX XXXX. When I returned home and then went to the XXXX store in the Mall of XXXX on XX/XX/2019 I was told by the sales associate I could not use the account because there was a past due balance of {$65.00}. The associate was kind enough to give me a number to call because I have not received a statement verifying the balance. The company that is the card holding company is Capital One. I called Capital One and informed them of the mistake and that the account should have been listed under XXXX XXXX and not XXXX XXXX. The supervisor with Capital One stated it should be about 10 days to receive the statement and the XXXX card. Never showed up. I have received at least three more phone calls from Capital One. My husband spoke to them all three times and told them when you provide a statement with verification of the amount owed and the XXXX card as promised then she will pay the balance. Nothing has come in the mail yet. Capital Ones number is XXXX. Last four numbers of the account are XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 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: Coinbase, Inc.
State: GA

Complaint narrative:
starting the day of XX/XX/XXXX i was logged out of my app i used every resource on coinbase to contact them thru there social media accounts company an etc. there automated service is not reliable.this is a centralized app that deals with money daily but cant pick up the phone. im trying to fix my login issues an theres no way for me to reach them thru a email support request to change the email on the account that i dont have the password for.they have all the info they need to make changes but the format in which they are going is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I tried several times to contact Navient and resolve the issue. It seems as if they want my loan from XX/XX/2003to keep accruing interest. They led my dad to believe he didnt need to pay and enrolled him in the wrong program. They then contacted him a few years later with a ridiculous added amount. After I was able to get his loan connected to my account to pay them monthly, things got better. Then, I called to put the loan back under his bank account ( job loss ) and they still charged my account. After having his bank account information connected to his account, they claimed he failed to pay ( it was set up for auto-pay ) for 4 months and accrued more interest. Finally, after I took over my dads loan to pay it off in total, In the 4th month, they declined it and I was given the run around just because I wanted to pay off this outstanding balance. They claimed my account was invalid when I use XXXX everyday and had the necessary funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: IL

Complaint narrative:
Transunion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
The company CBE calls daily 3-4 times a day. I've repeatedly told them to stop, they just get XXXX  with me.

Company response to consumer: Closed with explanation