vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This is in regards to " BMW FINANCIAL SERVICES NA , LLC '' only. 
A complaint was filed on XX/XX/2020 ( Case XXXX ) against " BMW FINANCIAL SERVICES NA , LLC '' along with " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' " BMW FINANCIAL SERVICES NA , LLC '' was served on XX/XX/2020. 
" BMW FINANCIAL SERVICES NA , LLC '' retained attorney " XXXX XXXX XXXX '' or " XXXX '' who is the owner of " XXXX XXXX XXXX '' Law firm. 
On XX/XX/2020 XXXX contacted me and left me a voicemail. 
Since the beginning XXXX is trying to confuse me and thinking she is an owner of a Law firm so she knows it all and I was born yesterday. 
When she contacted me on XX/XX/2020 she away told me to dismiss the case, but one needs to have a common sense that I prepared a case, filed it and then served it, took all the pains, not to dismiss it. 
XXXX is trying to be over smart, she behaves naive at lot of times as if she doesn't know anything and then other times she behaves as if I was born yesterday and doesn't know anything. 
On XX/XX/2020 she offered me {$2000.00} to settle the case and on XX/XX/2020 I agreed to that amount. 
After I agreed to that amount, XXXX stepped back and saying that her client is not agreeing to the amount and specially after the arbitration hearing. 
Now the arbitration hearing was pertaining to " XXXX XXXX XXXX XXXX, XXXX dba XXXX XXXX '' or XXXX, what is " '' BMW FINANCIAL SERVICES NA , LLC '' s business in that? 
Who XXXX is trying to make a fool of? To me or herself? 
I had a arbitration agreement with XXXX not with " '' BMW FINANCIAL SERVICES NA , LLC '' I would request the court to please ask XXXX of stop making a fool of me and speak to me directly and rationally about the matter. If she is an attorney doesn't mean other people are fool. 
She was the one who asked from the court not to include " BMW FINANCIAL SERVICES NA , LLC '' or " XXXX XXXX '' in Arbitration as " XXXX XXXX '' finds arbitration to be too expensive and difficult of a process. After she asked the court not to include " '' XXXX XXXX '' in arbitration, she is trying to make me a fool as if " XXXX XXXX '' is associated with XXXX in the Arbitration clause. If that is the case why XXXX doesn't ask the court for an arbitration for " '' XXXX XXXX ''? 
I also emailed XXXX on XX/XX/2020 to call me and discuss and she hasn't given me a call yet, its been 6 days. 

I want BMW FINANCIAL SERVICES NA , LLC to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I was injured at work. Unfortunately, my injuries required ongoing medical treatment prohibiting me from working. Immediately, I notified XXXX in writing that I was not working and included the contact information for my attorneys so they could confirm this information. 

On XX/XX/XXXX I was struck by a large SUV ( hit and run ) necessitating I be transported via Ambulance to the University of XXXX  at XXXX. These new injuries exacerbated my already infirmed condition. XXXX XXXX XXXX -- my XXXX XXXX XXXX " totaled out '' my vehicle leaving a balance of {$2700.00}. XXXX XXXX sent XXXX a check for {$10000.00} and took possession of the vehicle. I never had possession of the vehicle after XX/XX/XXXX. Once again, I contacted XXXX in writing and via the Office of the President 's Client Relations department. Initially, I asked if the payments could be reduced as I was not working. XXXX told me no. Subsequently I have received a Notice of Acceleration. More importantly, they have completely " tanked '' my credit score noting " late payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Consumer Loan ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have filed an ftc report and faxed it over to Equifax and XXXX  due to the fact that i am a victim of identity theft. equifax and XXXX  did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX  XXXX XXXX 4. XXXX please equifax and XXXX  remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX due to the holiday my direct deposit in my bank posted later than usual. I realized this immediately and contact Citi to ask how to correct the issue. The rep told me not to worry about. That they didn't see anything reversing. I specifically asked them about fees and if they would run the charge through multiple times and once again I was told there would not be an issues. A few days later I see that the payment didn't go through as expected and I submitted a second payment. But citi ran the first payment through a second time. So the second payment decline and then it was ran through 3 times. I asked citi countless times what the issue was. How i could resolve it. How I could get the fees removed off the account for the returned check etc. I was never given any clear direction from Citi. Suddenly after what I though was clearing up the payment citi closed the card because of returned payments. This is extremely unfair to me. I caught the intital issue and contact the bank multiple times about the issue and was never given a clear answer. I asked about fees, processing and everything and it was not until the card was closed that I was given clear information. Now I have a closed card and fees on top of it that they are requesting to be pay. Had I been told when I first contact citi that they payment would be tried three time this issue would have never occurred. In my attached screenshots you will see my multiple conversation with Citi bank. As well as emails from my bank showing the payment posting just slightly before the deposit did. ( which caused the issue ) I have had this card for almost 2 year and had NO issues. Never missed a payment in fact I paid half the balance every month. To be punished for being misinformed

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 2020-12-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I disputed an alleged bankruptcy as inaccurate with Trans Union. I reached out to the Original Creditor which is the " US Bankruptcy Court Of XXXX '' and THEY RESPONDED BACK STATING THAT THEY DO NOT VERIFY BANKRUPTCIES WITH ANY CREDIT BUREAUS. 

XXXX was also unable to verify this alleged Bankruptcy so THERE IS NO absolute way that Trans Union is Verifying this alleged Bankruptcy ... Because these are the two ways That Trans Union Claimed to have verified the alleged bankruptcy. 

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. 

I've attached the Bankruptcy Court Response and XXXX response also stating they couldn't verify the bankruptcy. 

This is a violation of the FCRA Also a violation Of the FDCPA

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 2020-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My phone was taken at night on XXXX, with that my debit card and ID were taken. My passcode ID on my phone was my birthday which my ID ( which includes my Birthday ) was located on the back of the phone. Following that there was transactions of {$4300.00} between XXXX and XXXX. I never authorized these transactions as I did NOT have possession of my Phone, Debit Card and ID. I called bank of America immediately in the morning when they opened to report this. That is when they explained to me there was all these transactions taken, which I instantly denied. Bank of America then informed I would then have my money within two days. I reached out again on XXXX as I was still very nervous and then was informed that perhaps this investigation would take longer, and I would then be given my credit back on XX/XX/XXXX. Then today at XX/XX/XXXX Bank of America rejected my claim. They rejected on the fact that since the XXXX transactions could only be done on my phone, thereby only I was the person that was authorized to do it. I explain HOW, if I clearly did not have my phone. Now today XX/XX/XXXX, Bank of America claims I never told them I did not have my phone. LIES!!! That was the first thing I mentioned when I called on XXXX early in the morning. I had to verify who I was based on mother 's maiden name, and log in. Since I could not verify my identity via a text ( since my phone was taken ) and I could not verify the numbers on my ID ( since it was taken ). I NEVER AUTHORIZED this. Any normal person who saw these transactions would instantly see it as fraud. I reported this ASAP to bank of america. Bank of America claims to have a {$0.00} liability when reported, as well as Regulation E requires it within the first 2 days. I reported this within hours. Again I did not have my Phone, ID or Debit Card itself. Bank of America is refusing to return my money that was stolen, after representatives at first assured me I would be returned 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 monetary relief
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
i have filed an ftc report and faxed it over to XXXX  and transunion due to the fact that i am a victim of identity theft. XXXX  and transunion did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX-XXXX  3.XXXX XXXX XXXX 4. XXXX please XXXX  and transunion remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.

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 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Account ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NJ

Complaint narrative:
I made 2 purchases on my Direct Express account on XX/XX/2020 & never received the merchandise. Three weeks ago I mailed in the dispute forms & was told 3 days ago they were received but no action was taken. I've been calling Direct Express for 3 days & have been put on 1.5 hour hold times. This is exceptionally frustrating that Direct Express is operating in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NY

Complaint narrative:
I owed Hunter warfield inc {$10000.00}. I paid and settle the debt for {$7100.00} on XX/XX/2019. The debit is actively still showing in collections as UNPAID on my credit report. I have asked the company to remove that information for over a year now and they said they would but have not. I want at inaccurate information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
You third class Discover bank. 

This is my first complaint against Discover credit card on CFPB, so how come I reported the transactions mutiple times as disputed? 

Stop showing the credit card as Disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Submitted information to company as requested but no update has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Submitted information to company as requested but no update has been done.

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 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
This complaint is about the dispute letter I sent to XXXX  on XX/XX/20 about a medical bill on my report. The account is # XXXX for {$160.00}. I sent a dispute letter to XXXX  telling them to verify these collections and if they could not to delete this from my credit report immediately. They verified the debt with no proof of documentations at all to show it belongs to me. Also I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to the creditor or company to release my medical information to XXXX. I would like this deleted from my 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 2020-12-17 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I ordered an item off Costco.com with my Costco Citi ( surprisingly known as the best card, my foot ) on XX/XX/XXXX. Costco apparently ran out of the item before shipping the product, so they never shipped it and cancelled it XX/XX/XXXX ( after I called to confirm delivery date, they didnt have the courtesy to call or email me about cancellation. 

The payment was showing pending even a few days after so I filed a dispute on the pending charge, hopefully for it to escalate. I called Costco and they said the bank is holding the money. Called Citi bank and theyre saying Costco is holding. Theyre saying that its gon na take 30 days for it to come off or the transaction has to go through on the account. How will the payment go through if the order is cancelled and the vendor doesnt have the merchandise? I tried to see if there is any way to escalate by showing them ( citi bank ) proof of cancellation and they said no. 

Ive been on the phone for the last 2 hours back and forth. Now theyre holding XXXX dollars on my card which only has a XXXX credit limit. I cant afford to buy any XXXX presents. Now I have to wait 30 days for this. This is ridiculous.

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 2020-12-17 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: TX

Complaint narrative:
For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX data breach and my information couldve gotten in the hands of anybody.

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 2020-12-17 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander loan co. Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I have asked the bureaus to verify this account as well as send the proof they used to verify this account they are also reporting A balance of XXXX however they have also sold the debt to a third-party contractor without notification to myself the status updated as well as the original balance and payments is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the Equifax data breach and my information couldve gotten in the hands of anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: CA

Complaint narrative:
XXXX XXXX XXXX Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.

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