vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Auto Credit
State: CA

Complaint narrative:
I have called Premier Auto Credit in order to request an extension of payment of the car loan and they told me that a document that I need to fill out would be mailed to my address. After 2 weeks I called back because I didn't receive any mail and they told me it was already sent and I have to wait. Friday XX/XX/XXXX, I called back and they told me that the extension requested was denied ( and that I was told this when I called, which is a lie ) because I have only 4 months payment. I explained at first that due quarentine we all have been made put in XXXX XXXX, CA in XXXX, I was unemployed due cocid-19 pandemia, so I requested this due Government 's order. 
They didn't care and I requested to get in contact with the person I talked the first time. They told me she called me back and till now I'm still waiting for a response. 
Please, looking forward you can help me to solve the problem. 

Kind regards, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Purchases made with Kohls card around XX/XX/XXXX. Address updated XX/XX/XXXX taken at the XXXX XXXX XXXX store. Store wasn't able to provide an exact balance so asked me to wait for statement. Statement did not come. In XX/XX/XXXX {$30.00} was paid. Kohls store in XXXX also could not provide exact amount owing. Address updated again. Again no statement came during the months following. Called again. Told balance over the phone and payment made. In XX/XX/XXXX debt collector letter received for {$11.00} ( for the late payment charge ). Kohls had been charging me late fees and then late fees on top of the late fees. Call Kohls to complain and to examine exactly what I am being charged for. Previous months statements sent to me. I reconciled the transactions and rang Kohls to complain that all the late fees and interest charged were accruing on top of each other and that payments for all my purchases was settled months ago. Three phone calls later by end of XX/XX/XXXX all late fees and interest charged was refunded and an verbal apology issued. 

In XX/XX/XXXX I go to refinance my mortgage and find out Kohls lodged numerous bad credit reports on me in XX/XX/XXXX even though I was actively sorting it out with them and they had subsequently refunded everything. Rang Kohls to have it removed. One month later receive a letter from Kohls refusing to correct the credit reports. 

The credit card is funded by Capital One. Called Capital One, was told nothing to do with them. 

Kohls tanked my credit ranting based on their own errors which they refunded and apologized for. Yet wont fix the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
After losing my job recently, I got in touch with Mercedes-Benz Financial Services regarding early return of my vehicle. I simply can not afford the payments any more. They offered me two options. Firstly, defer my monthly payments, but this would trigger a bulk repayment of missed payments upon then restarting payments. For someone with no income, stacking up {$2800.00} of payments is not an option at all. They also told me I could turn in the car and pay off the lease at a cost of {$7000.00}. This too is not really an option given I would have to find {$7000.00} and be left with no car. The specific advice from MBFS was to list my car on XXXX  to find a buyer to transfer the lease to. My lease permits transfers and I was aware of this when I signed the original agreement. They also told me to speak to the dealer from whom I leased the vehicle. The dealer gave me the same options, so I I listed the car on XXXX at their direction. I found a transfer 'buyer '. However, MBFS are now not supporting lease transfers. When I called to ask why, I was told 'MBFS is too busy helping people who have been affected by COVID-19 '. This was appalling to me, since I have been affected by losing my job. They have effectively changed the term of my lease, without notifying me first. They are also falsely advertising lease transfers on their website. Plus, I have now incurred advertising costs which, on top of my other financial stresses, are not helping my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX and XXXX XXXX wrote a check to XXXX XXXX from their XXXX bank account. Someone, pretending to be XXXX, forged XXXX 's signature and wrote his ssn # on the back of the check to cash. Bank of America cashed the check against our checking account. The check on XX/XX/XXXX was for {$1900.00} and the check on XX/XX/XXXX was for {$1900.00}. We filed a claim on XX/XX/XXXX with Bank of America. On XX/XX/XXXX we received a letter from Bank of America denying the claim.

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 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On first week of XX/XX/XXXX My aunt and me went to Kia of XXXX to see if she gets approve by the dealer to get a car, they checked and said she do not qualify so they check my credit and said I did qualify, but I already had to loans with them but they insist the after one year I was able to put the car under my aunts name and I was going to be out of the loan, in XX/XX/XXXX we went to check that to do the change of name in the car but They said that they can do that that is imposible and so many excuses the reason why I signed for the loan was for what they told us, I need to get the car out of my name and ghey do not want to do anything, I do not know why they are giving false information. Thank you for your time

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 2020-04-15 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: OR

Complaint narrative:
XXXX/XXXX XXXX XXXX XXXX FL XXXX * ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX No phone # Date : XX/XX/XXXX XX/XX/XXXX ( XX/XX/XXXX twice ) XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, or XXXX was hit twice Date XX/XX/XXXX XX/XX/XXXX should of only been hit once

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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In mid-XXXX I started communicating with Wells Fargo, my mortgage lender after reading about programs to assist with mortgage payments ( etc. ) .I did not wish to enter into a forbearance program but offered, instead to continue making payments towards accrued interest and ( tax and Insurance ) escrows and commencing with the XX/XX/XXXX payment.My only option ( because telephone prompts would not connect me to a " Live '' person ) was thru e-mail.I did not get any response so I made the full XXXX payment ( P & I plus escrow ) .I followed up with a second e-mail explaining that I was not interested in forbearance ( This appeared to be the only " Automatic '' option on line ) because I did not want to be responsible ( In the end ) for accrued, accumulated or compounded interest.I stated that this was a win-win for the bank since my mortgage was less than 50 % loan to value. In mid XXXX I got my first response.It was a " FORM '' LETTER RESPONSE STATING I WAS APPROVED FOR FORBEARANCE .Another e-mail from me plus two frustrating telephone calls and several attempts to resolve the issue thru my on-line account .To date I have received three e-mail responses, each with a different correspondent.But in each case the same " form '' letter.I have begged not to get any more form letters and asked that someone actually read what I have written.Here is my complaint.It is now one month following my initial request! in 15 days my next payment is due ... except they have told me that I am in forbearance ... Something I DID NOT REQUEST. As of this time I have only Social Security benefits and would have a serious hardship to make a full mortgage payment ( {$2100.00} ) .but I can not get to speak with any one in charge or with authority .There is no mechanism, on line, to pay any thing but the full amount. If I pay nothing, they ( Wells Fargo ) will assume I have accepted FORBEARANCE ( which I never  requested ) .Try getting through to Wells Fargo!!! It is impossible!!

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
I RECEIVE MY CREDIT REPORT AND NOTICE A ITEM THAT I DIDN'T RECOGNIZED..IT WAS MERCHANT ADJUSTMENT SERVICE THAT IS TAKING MY INFORMATION AND SHARING IT WITH OTHERS.IT VIOLATES THE HIPPA LAW PLUS I REQUESTED THAT THEY VERIFY THE ACCOUNT IN QUESTION.I HAVE A COPY OF THE LETTER ATTACHED ASKING THEM SOME VALUABLE INFORMATION BECAUSE ITS CAUSING ME GRIEF DURING THIS TIME OF SUFFERING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was trying to get an annual credit report. I did not realize I was in an Ad for TransUnion and order my credit score for {$1.00}. On XX/XX/2020 TransUnion took {$24.00} out of XXXX XXXX. I did not give them authorization. This is illegal they are stealing money from consumers. I already have a Identity Theft Monitoring Protection 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 2020-04-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an amazon chase credit card. My account is locked ( chase.com ). I have been on the phone for almost 3 hours! I have been hung up on, put on hold repeatedly, and each time a representative comes on the phone I start all over. I have been transferred to XXXX twice with an incredible difficultly in being able to understand due to poor connection. After almost 3 hours, I am still on hold and unable to determine if my account has a payment due, if there are fraudulent charges, etc. I am appalled and have no idea how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Platinum Business Card will not allow auto payment to be setup when a payment is overdue. This prevents consumers from setting up auto payment, unless done prior to the first payment that may be late.

Wells Fargo does this intentionally, or at it's benefit of penalty interest and fees, to consumers.

Wells Fargo should allow auto payment to be setup at whether the account is past due..in order to prevent it from becoming past due.

In my situation, the first payment was received late due to the first statement not arriving in time. At no point in the next three late statements was I able to setup autopayment online after I found out ( due to Wells Fargo extremely slow mail ) it was late.

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 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I called Title Max today to negotiate a new payment arrangement. I have been unable to pay on this loan for a few months. We have been struggling financially for several months. I tried to offer {$25.00} each week ( this is all I can afford ). She declined to take any payment from me and asked me to pay my normal amount {$700.00}. She stated there is no collection agency attached to this and they are handling it. She confirmed 2xs that she is REFUSING take any payment on my account. All I want to do is start paying something again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Reached out to property manager over a year ago on three different occasions and was advised I would not be responsible for this account or any debt owed to this creditor as I've never resided at the address associated with this account.

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 2020-04-15 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: PlusFour, Inc
State: NV

Complaint narrative:
I fully paid an amount owed to XXXX XXXX, XXXX NV. However, this past week in the month of XXXX, 2020, my credit report alerted that I have a collection notice from PlusFour Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX NV for {$10.00}. I contacted PlusFour on Monday XX/XX/2020 and spoke with a Rep who indicated that I have to send bank records of full payment. I indicated to them that they should verify payment but they indicated I needed to verify. I did and contacted them by phone but they didnt answer. I then contacted XXXX XXXX who verified that I had made full payment in XX/XX/2020.

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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is regarding my mortgage with my lender Specialized Loan Servicing ( S.L.S. ) account XXXX on XX/XX/2020 i made a payment online for the mortgage amount stated due for {$4000.00} a Month later I was in the process to refinance my loan when i was informed that the lender placed a 30 day late on my XX/XX/2020 payment. I quickly notified the lender and spoke to several individuals representing SLS. They stated the funds for some unknown reason went into a ( Unapplied funds account ) which they also admitted was not normal and was indeed an error on their part. They said they would place a ticket to the credit Bureau to have this removed. As of today XX/XX/2020 this not only has not been removed they added my payment for XX/XX/2020 as a 30 day late. My account indicates that both these amounts went into a Unapplied account and not giving me credit were credit is due and I am now getting penalized for their mistakes. I am asking you to look into this matter, I have documents from both my account with SLS and bank statements that prove my payments were not 30 days late. I have also heard from friends that they experienced the same type of experience with this same Lender.

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 2020-04-15 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
i receive a notice from my credit reporting account about a negative item inwhich is reporting inaccurate information from XXXX XXXX XXXX XXXX  so i sent them a letter to validate and send the information that i requested bearing my signature on XX/XX/2020 and hasn't heard from them yet

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 2020-04-15 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
State: MA

Complaint narrative:
I applied for credit card to get a reduced rate on my XXXX fare and I also purchased trip insurance. The trip was cancelled and I thought my credit card was reimbursed the amount. I was wrong. I contacted credit card company in XXXX when I saw bill from them. I was told to pay the {$140.00} and when I was reimbursed by insurance to submit it to them and they would reimburse me. During the conversation, I told them to cancel my card. I remitted {$140.00} payment over the phone and forwarded the insurance document. ( attached letter dated XX/XX/XXXX ) Then I received an alert on my credit report and called them and spoke to them.I disputed this and received the attached letter dated XX/XX/XXXX saying I will be reported current. Fast forward another couple of months and they charge me an annual fee and interest on annual fee for a card that was to be closed based on a dispute I had with them regarding my credit. I then submitted another credit dispute, see attached letter date XX/XX/XXXX. My initial letter on XXXX XXXX tells them to cancel my card as it was part of the initial conversation, but they have now charged it off and it is on my credit report and they keep sending me email to pay XXXX of it. I should not have to pay any of it because it should have never been renewed. Please help! 

.

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I call the number listed for customer service for the Bank of America EDD Debit Card, the call will either route me somewhere and then hang up, or it will simply hang up upon selecting the " lost or stolen card '' option ( which is the only option available when calling XXXX ). This is the only customer service number listed for this type of debit card. They are not answering calls so nothing can be done in the first place. 

Bank of America was supposed to send me the debit card when EDD sent its first payment on the card. However, it has been weeks now, and still no card, no customer serivce to talk to, no money, but much frustration because you can get through to no one. It is almost like they are not answering the phones on purpose. Although the recording says they have a high volume of calls, I have tried calling at various different times including XXXX : XXXX., XXXX XXXX, XXXX XXXX. XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX and XXXX, all ending in the same manner, being disconnected on the other end of the call.

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