vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I have two major complaints with Bridgecrest. The first one I was essentially forced to give up on ; I had zero agency as a consumer to do anything about because of my financial situation at the time. The second has just  arisen as a result of the pandemic. 

When I was car shopping I used XXXX. I found out who they used as their loan provider ( Bridgecrest ), and I called them directly to see if I could get a better interest rate. I was told not by one, but by two employees at Bridgecrest that they offered an interest buy down program. That is- the terms stated that if you payed XXXX dollars down within the first 60 days of the loan, you could knock off a point of interest. 

Knowing this, I then bought the car from XXXX. I then called Bridgecrest to them to say I wanted to do the buy-down, and the woman just told me something like 'yeah you just have to do it on the site ', which I did. Nothing happened, at which point I called them many times. The information started to vary, they some people told me that person had given me incorrect information, and others told me that yes, indeed that program did exist. Eventually I was left powerless, after having already purchased the car. This felt like an incredibly disingenuous bait and switch, and they should have the recordings of the two or more people that told me about this program, which I asked the managers to review, to no avail. 

The last issue that has pushed me over the edge and into filing this complaint, is that I called them to discuss some sort of hardship deferral on my loan due to being laid off as a result of the pandemic, and they simply told me that they were 'considering it ' and it would not be able to take effect until I was already in delinquency. This seems like yet another bait and switch, and completely wrong and disingenuous. I have read reviews of how quickly they repossess peoples ' cars after non-payment, and I am NOT falling into that trap. I want an assurance that I can put my loan, even briefly, on pause. Not to fall into delinquency with the vague hope that they'll honor some vague promise. I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
During this Hardship of the Coronavirus i contacted my mortgage company to ask for a Deferment and they said whatever month i don't pay it would double the amount the next month weather i am out of working or not. I explained how was able to do that if i was not working and when i was working i was only capable of paying for just one month. Basically they said it doesn't matter accept it or don't that is all we are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: SC

Complaint narrative:
On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to XXXX   and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. 

On XX/XX/2020 and XX/XX/2020, verification regarding accounts reported in error were submitted to Experian and XXXX  and they failed to update my credit report reflecting the changes and they also failed to respond to the information sent on XX/XX/2020. The accounts that should have been removed from the credit report are attached to this complaint. Transunion did reflect some updates but not all.

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 2020-03-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AR

Complaint narrative:
Weltman Weinberg Reis collection agency bought my debt at a discount from XXXX XXXX. My credit report states the balance on the student loan the day it was closed is {$3400.00}. XXXX  is trying to collect {$4900.00}. Under the law, collection agencies are not permitted to collect interest or late charges that may have incurred on the account before it was sold to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Amid the corona virus scare, without warning and not due to my credit circumstance, this company decided to not allow me to borrow any money. I wasnt trying to borrow more, however, my credit line was XXXX. Now my credit line is being reported as what I owe at this time. Ive never missed a payment and in fact pay much more than is required. This company in my opinion is so selfish and XXXX for cutting customers ability to borrow and incorrectly reporting the situation. There was zero reason to cut my line of credit thereby damaging my credit score due to utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XX/XX/2020 - Navient student loan company. Their representative " spoofed '' my employer 's phone number to reach me this morning. I believed it was my employer calling me since we are working from home due to the coronavirus. When I answered, I was shocked to realize it was Navient. The rep said, " Oh we got you now! So you are *my name*! Now confirm your date of birth so we can get started! '' They have been harassing me again about my private student loan and their aggression has only increased. I can't pay it and I've run out of forbearance options and lowering the payments won't help either.My XXXX   daughter has XXXX  XXXX and requires XXXX   XXXX  to prevent XXXX. 
Before today though, it's to recollect all the days and and times that Navient has been harassing me. Early morning, XXXX XXXX  at night, even weekends, it never ends. They've even called my employer before on XX/XX/2020. When I talked to one of their reps on that day, I explained to them that calling my place of employment and jeopardizing my livelihood was no way to work with me on this situation. And this spoofing phone call this morning at XXXX XXXX. was the last straw. I've tried telling them to back off with all the phone calls. I've told them my financial circumstances have changes drastically and their repayment plans were unrealistic. I'm at the end of my ropes now. I'm reaching out in hopes that someone can somehow help me. Thank you for your time, I do appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: MO

Complaint narrative:
TO WHOME THIS MAY CONCERN, AFTER SEVERAL ATTEMPTS TO RECTIFY THIS PROBLEM MY DISPUTE IS WITH ALL CREDIT REPORTING AGENCIES FOR LESS THEN SUFFICIENT EVIDENCE TO REPORT ANY OR ALL INFORMATION ON MY REPORT. 
NOTE : BECAUSE OF THE LEGAL ABILITY, DO TO CONTRACTS, A FURNISHER OF DEBT INFORMATION SHOULD HAVE ALL FACTS TO PROVE THEIR STANDING AS A HOLDER OF SAID DEBT. 
FAIR CREDIT ACT STATES : THE CONSUMERS ARE ENTITLED TO PROOF THAT THEY OWE MONEY. 
COLLECTORS MUST DOCUMENT A CLAIM WITH A COPY OF AN UNPAID BILL OR OTHER EVIDENCE OF A PAYMENT VIOLATION. 
( IN THIS CASE, THE HISTORY THAT ALL DEBTORS DOCUMENTS THAT PROVE THIER STANDING ) AFTER SEVERAL MONTHS OBSERVING THIS, MY SCORE HAS DIPPED OVER 250 POINTS IN THE LAST YEAR DISPITE MY EFFORTS TO DISPUTE THE VALIDITY OF MY REPORT. 
ON MY LAST DISPUTE THE RESPONSE FROM TRANSUNION STATED " THAT MY CREDIT HISTORY WAS UNAVAILABLE ". HOWEVER THIER REPORT REFLECTS THAT I HAVE DEBT, THIS IS NOT POSSIBLE. 
IF THERE IS A DEBT, THERE IS A HISTORY. 
SO TO BE FAIR MY REPORT HAS TO SHOW ALL THINGS TO NOT ONLY BE FAIR BUT REFLECT THE IMPORTANT DATA THAT RESULTED IN ANY DEBT OWED. 
IN EITHER CASE THAT MEANS THAT ALL CATEGORIES THAT AFFECTS MY SCORE SHOULD SHOW ON MY REPORT IN ORDER TO GIVE A COMPLETE ACCOUNT AS TO MY CREDIT WORTHINESS. 
ANY INFORMATION THAT IS NOT PROVIDED AS PROOF THEN SHOULD BE CALLED TO QUESTION AND IF NOT PROVEN SHOULD NOT BE PRESENTED. 
LEGALLY A CONTRACT BOUNDS MY WORD TO PAY A DEBT, THAT GIVES A DEBTOR THE ABILITY TO GET COMPENSATION THROUGH LEGAL MEANS, SO THAT GIVES ME THE RIGHT TO BE FURNISHED WITH ALL FACTS PERTAINING TO MY REPORT. 
THE REPORT SHOWN THEN IN THIS CASE CAN NOT BE MINE AND THEREFORE IS A FRAUDULENT ACCOUNT OF MY HISTORY AND SHOULD BE THOROUGHLY INVESTIGATED. 
NOTE : IF MY REPORT REFLECTS DEBT IT HAS TO HAVE A FULL HISTORY OF ACCOUNTS ( TRANSUNION RESPONSE TO MY LAST DISPUTE WAS, '' THERE WAS NOT ENOUGH INFORMATION AVAILABLE " ) HOWEVER MY REPORT HAS A SCORE AND DEBT, IS THAT POSSIBLE WHEN THE FACTORS THAT MAKES A SCORE ARE NOT PRESENT?

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 2020-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was shopping online with XXXX  online first the was no available for delivery so I went to the option which you allow XXXX to shop for you and you just pick up your purchases and completing the order it gave my option to pay for my order with Chase Pay which supposed to be option for you pay. What's concerning that the customer services did not know about the product and told that I only can view my transaction via the application so I cancelled it. Really concerned that Chase allow me to enrolled in product and services that has been discontinued since XX/XX/2020 when I select this product and services it should denied enrollment. Complaint references # XXXX please investigate ensure that me other customer are not able to enroll in product and services that are no longer available and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Trynig to stay brief! I accumlated debt because ... as a mortgage officer at XXXX XXXX - my sales and the companies reputation plummeted. I was forces to sell my existing Single Family home in 2018 and moved to a smaller co-op ( XX/XX/2018 ). No gain from the home sale. It sold for far less than I paid for it ( XXXX vs XXXX ). I only covered part of bank note, and kept a a XXXX 2nd, and also, added closing cost and the moving to new co-op to my credit card. The credit card is a Chase/Marriott account the balance has been between 15K and 28K over the last 2 years. I have paid faithfully and on time. My current interest rate is 15.74 %. This is ridiculous. In light of the new money ( Fereral Reserve, Discount window US Tresury and Commercial paper support. In additon much lower UST yields. It is imperitive for banks do their part to help their customer. Put spending power back in the hands of the people. 500 to 1500 % mark up on the cost of money is a crime! Principle reduction and interest rates reduction to 5 or 6 % is more than resonable. 
*** 1. Can you ( CFPB ) help! 
2. Will goverment, the Federal Reserve, US Tresurt Deptment help. 3. What other option do I have to eliminate this burdensome debt, other than default? How soon may I e
xpect some type of response?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2018 I REPORTED {$470.00} transactions UNAUTHORIZED. USAA POLICY ADVERTISED PROMOTED IS ZERO FRAUD LIABLITY. WHY IS USAA LEGALLY ALLOWED TO DECEPTIVELY HIDE ALL ( PERMANET FRAUD CREDITS?? APPLYING TO ACCOUNT INTERNALLY?? ) ** showing only temporary credits XXXX DECEIVING?? CONSUMERS INTO BELIEVING TWO CREDITS APPLIED?? FOR ONE PURCHASE AND THEN ** REVERSING MERCHANTS CREDITS?? WHEN temporary credits were never applied not made permanet????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NY

Complaint narrative:
On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from XXXX at XXXX. I called XXXX XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX  and a XXXX   card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX   and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.

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 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
So I was looking to rent an apartment online. I found this guy from a social media platform. I was supposed to get a studio apartment. He told me to send him an advance deposit because he might not be able to hold the apartment for me until the week I was free to come visit. I was in desperate need of an apartment and didnt want to lose that chance. So I sent him {$500.00} through my bank using XXXX on XX/XX/2020. Then as I was ready to visit the apartment, I contacted him and he told me he was busy and that I shouldnt be bothering him. So I asked what does that mean. He told me I was annoying and that he wont be renting his place to me anymore. Then I told him okay then can I get a refund for my money. He never responded after that. He blocked me and Ive no other way of contacting him. I called my bank right away, they opened an investigation, then closed it after couple of days because they do not see this as a scam. I dont know what else to do.

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 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/19 our home had caught on fire. We submitted a claim to our insurance provider the next day. They did their appraisal and sent a check. we did our research and selected a wonderful contractor. 

We had to send our check off to Mortgage company to get check endorsed. They use a company called XXXX. They keep making us jump through hoops, and provide a different excuse every time we call on why they haven't released funds. 
They are now trying to make our contractor get bonded for the job. The cost for a bond is more than the contractor would make on the job. 

We are now 3 months in and no work has been done on our home. 

When I pulled up XXXX 's reviews online, there are hundreds of reviews just like mine. 

PLEAS HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, On the XX/XX/2019, I bought an airline ticket [ Booking Reference No- XX/XX/XXXX ] from XXXX XXXX using my Bank of America Checking Account [ XXXX ] to fly out the next day. On getting to the airport the next day, I was told my bank had not approved the transaction and the temporary ticket issued was not valid for travel. It was an urgent travel, so I had to buy another ticket at the airport using another account which got approved instantly. 

I have since filed a dispute with BOA [ claim XXXX ] on XX/XX/19 and also contacted the merchant [ XXXX XXXX ] same day with several follow-up calls made for an update but for whatever reasons I keep getting the same response which is that they are looking into it. 

It has been over 3 months since the dispute was submitted and I will like CFPB to help retrieve my money back from XXXX XXXX. 

Thank you so much. Truly appreciate a swift response on this. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-03-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-03-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from Chase at XXXX. I called chase XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX and a XXXX card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
Received a call, and 3 second ( no actual message ) voicemail at XXXX Eastern DST ( my local time ) on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Called Transunion and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that TransUnion has not reached out to them and that they have not verified any information. I was informed that TransUnion uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files

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