vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Since agreeing and taking an auto lease with BMW there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the BMW Financial Services Contact Center in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to BMW along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, 3 attempts in XXXX and 4 attempts in XXXX - when finally BMW decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however BMW took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted BMW and there seems to be no sense of urgency to resolve this very urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
I got a notice from PayPal saying that my account was permanently suspended, with no explanation, on XX/XX/XXXX. This account has been solely used by myself for 4 years, and I only used it for XXXX for the past month. It is very confusing that why PayPal is doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Text and email from Citibank on XX/XX/20 regarding fraudulent debit transaction for {$71.00} from XXXX XXXX NY. Immediately called and disputed this debit. I live in California, have never been to NY, nor have I allowed anyone to use this debit card. I know no one in NY. Ny was in a total shutdown due to covid-19 at this time. During the same time period, I had XXXX in fraudulent charges from Connecticut that Citibank reversed. I never received a letter from Citibank that the charges were found in the merchants favor and have requested twice. They will not give me any info as to their findings and on XX/XX/20 was told to file an appeal. This was done via fax and hardcopy letter to the investigation division in XXXX XXXX SD on XX/XX/20. The bank has said letter in their possession and was told XX/XX/20 that an email is the only recourse, internally, would be sent by a fraud supervisor XXXX, to advise of the current lack of info not being sent to us. Was advised going into a branch is useless. There was a provisional credit applied for {$81.00}, why the amount changed is still unclear, and then XX/XX/20 the bank reversed this credit and a debit applied. I have been working on this for 5 months and need assistance as XXXX stated they can not assist as each location is a franchise. A corresponding # attached to the transaction on our checking account, a five digit #, does not match XXXX 's database to ascertain the exact location in XXXX NY. Citibank told me they have no idea what the number means. Any assistance would be greatly appreciated as the legal resolve is still uncertain in time limits.

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 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Last night I got an alert that was emailed to me from citibank, saying I had an alert concerning funds availability. I tried to view the letter and could not ..so I got on the mobile app and again had no access, went to citi online same thing .It was late so I decided to call the next morning which is today XX/XX/2020. I tried to access my account online and had no access.I then called citi bank and they asked me if I had had any knowledge of a deposite made to my account ..I told them that the purpose of the online account was for my unemployment to be direct deposited and that I did fill out an application for a loan that was supposed to be deposited ..but was not sure if this alert came from that loan being deposited in my account or not because of the simple fact I was completely locked out of my account and was not given the right to view the check that was deposited .The lady then said she was going to close my account because my account was compromised. I do believe that I have the right to view any documents that pretain to my account ... and to be fairly treated. The loan would be comming from the XXXX XXXX in the amount XXXX or XXXX. I do believe I am being mistreated and harrased by the company ..I have had my account blocked numerous of times when I did nothing wrong. I have no document to upload because I have no access to my account period. I did last night online with Live chat inform the representative that I may have a loan being deposited into my account ..I am just disgusted with how bad I'm being treated. This is not the first time I have been completely locked out of my account ..this is the third time in one month. I don't know if they understand that we are in the mist of a World wide Pandemic..and to cute me off from my only resource is appauling. What happened to customer service or just the being a decent human being?? just to note..I have no documents to upload because I can not access my account at 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 2020-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WLCC
State: OH

Complaint narrative:
In XXXX of 2020 I took out a loan for {$600.00} with XXXX  XXXX XXXX XXXX and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from Apex Servicing. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling Apex the only options they give me is to refer to my original loan agreement which was NEVER provided by XXXX XXXX XXXX XXXX. Apex also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
on XX/XX/20 i started a fraud investigation with both parties involved Allied collection Services and XXXX due a collection account on my credit report from Allied collection services ACSI on behalf of XXXX for {$6100.00}. On XX/XX/20 XXXX the oringal debtor advised Allied to show balance as XXXX balanace due to the account was found to be fraud and open without my authorization. I have opened a identity theft case with my local police. I then called Allied twice on XX/XX/20 for status of this account, they advised account does show XXXX balance. I asked to have them remove derogatory marks and collections off my credit report due to fraud and identity theft, and that because of the collection activity on my account it has hurt my credit score. I was told by the first representative at Allied i had to contact XXXX in order to have status changed or have credit report updated for removal. I called XXXX on XX/XX/20 and was told they did notify Allied to make account XXXX balance but it's up to the agency to remove themselves from my report due to they are the ones on my report not XXXX. Second representative i spoke to at Allied on XX/XX/20 stated I would need to show proof that by having Allied on my credit reprt it's causing my credit score to be affected. I advised both representatives that since the account is now at XXXX balance I no longer owe anyone and for that reason alone they should remove the collections and negative marks from my credit reports but both representatives didn't acknowledge this information as true nor did they advise me of my rights in this case as a consumer affected by fraud. Nor did they advise me of their standards and procedures they must follow in this situation. I was basically told nothing nor given any further information, and no agreement of removal was told to me.

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 2020-10-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been trying to get a loan modification Since XX/XX/XXXX through SPS Servcing. My interest rate is XXXX percent. I own XXXX XXXX   in Ca and was forced by the Govenor during covid to close them. I requested a forebearance plan in XX/XX/XXXXduring covid. I then applied for a modification in XX/XX/XXXX. My servicing company and Investor for the loan have not made any atempts to modify my Loan and keep postponing a decision by repeatedly asking me to verify the same information over and over again. My mortgage company has said they will balloon ALL payments missed and have not made any attempts to lower my monthly payment nor give me a trial modification with a reduced interests rate. I am a single Mom and have XXXX children. XXXXXXXX XXXX XXXX. My goal is to keep my home as I continue to work to keep my XXXX in California viable during the Covid pandemic and moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In the month of XX/XX/2020 I used my Chase Slate Credit Card online at XXXX XXXX. The only reason I used the credit card online was due to the Pandemic, I could not visit the local establishment, It was closed due to the Covid-19 Virus. I used different amounts on different days, again using the credit card as a credit card, expecting to pay accumulated interest at the end of the month on my statement. In late XXXX I reviewed my account and Chase had charged me {$10.00} per use of my c.c. a total of {$220.00}. I immediately contacted Chase and set up a phone appointment with their local branch. Chase did not keep the appt., without notice to me. I contacted customer service and explained that I did not make cash advance withdrawals. I disputed their charges in XXXX and wrote letters of dispute to Credit Card Services XXXX. XXXX XXXX XXXX, De. as required by their on line dispute center. The company continues to accumulate penalties and interest on the disputed charges of {$220.00}. I finally got a hold of Chases ' Dispute Department today, XX/XX/XXXX. and spoke with XXXX XXXX. Mr. XXXX informed me that I can no longer dispute charges older than 60 days. I have communications with Credit Services dated XX/XX/XXXX and XX/XX/XXXX, well within the required 60 days disputing these charges. Mr. XXXX told me, again, that I can no longer dispute charge over 60 days. " The company is going to continue to charge interest and penalties on this account ''. This is what I would call an unfair business practice. I have, in good faith, tried to dispute charges that I feel have been applied incorrectly and not been provided with a answer to my dispute. 
All other charges on this account have been paid and I closed this credit card with Chase in writing. The balance on the card is now over {$600.00} and Chase continues to charge penalties and interest on original charges I have been disputing since XXXX. I find it unfair that Chase refuses to work with me on an agreeable resolution and continues to apply usury interest and penalties. 
I would like assistance in resolving this matter. 
I find it apprehensible that the banking system can strongarm me in this manner with total disregard to my rights as a paying customer. 
Thank You for your help on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am demanding justice. Equifax is continuing to ruin my credit file for no reason. Equifax has just trashed my credit file again by refusing to update my credit file by removing trash off of my credit file. these people cause a serious data breach XXXX knows who my personal info went to because of Equifax. taking this to higher authorities, XXXX rep 's, attorney general offices in both states XXXX, GA and Ohio. So sick of being sick and tired of this! I will see Equifax in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Im having a very trying time dealing with my private loans. Theres no plan to effectively delay them. The income based repayment plan that I was on is terribly high. With everything going on with COVID and my precarious financial situation I often times find myself extremely overwhelmed and I feel that there is no one at Navient to empathize with my situation. The constant calls and the distressing lowering of my credit report has put me in such a mentally fragile time. I write this to get some guidance and assurance because Im not comfortable with Navient and feel like there is no way to reach a justifiable conclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I settled out a debt and the remark on my credit file still states I owe minus the amount I settled for which was not the agreement. This error is causing me issues. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
the barclays bank charged me a credit card interest for {$350.00} on XX/XX/2020. I tried to contact them to solve the problem but they could not waive the extra charge. This is the case. I used the credit card to purchased an item a year and half ago. The promotion offer 18 months no interest charge. I set up an autopay. the total balance was supposed to pay off before expiration. In this XXXX, XXXX they send me an email said they would offer payment assistant to help customer to defer payment during the pandemic time. So, I enrolled to the program and skip two payments. Until XXXX, I have money and then started to pay them back but last month I missed an payment, I thought I set up autopay but I didn't know what happend until they call me said my payment was past due. So, I login to my account and then found out they charged me extra {$350.00} for interest because my promtion is expired and I didn't pay off the balance. I contacted them but they coul n't slove the promble.

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 2020-10-01 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: LD Holdings Group, LLC
State: IL

Complaint narrative:
On XX/XX/2020 I filed a complaint against LoanDepot ( Complaint # XXXX ) regarding LoanDepot reporting a {$10000.00} increasing to the principle balance of my mortgage to all 3 Credit Bureau. On XX/XX/2020 Loan Depot responded to the complaint and misrepresented the facts ( i.e. Lied ) with the following statement : " LoanDepot reported to the credit bureaus the aggregate amount owed on the loan each month but did not report an increase in outstanding principal balance, delinquent payments, nor any negative account information. '' I have attached reports from all 3 Credit Bureaus which reflects the afore mentioned principle balance increase ( See attached ) this increase caused my credit score to drop significantly resulting in my attempts to refinance to be denied but multiple banks. 

This complaint is about the willful misrepresentation of the facts by LoanDepot to your agency which resulted in my original complaint file ( Complaint # XXXX ) being " Closed '' on or about XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Faxed in modification paperwork XXXX and another 9 times! Faxing again today XXXX! Bank keeps asking for paperwork, explained co-borrower no bank statements no tax returns due to under threshold! Now letter dated XXXX says out of review and now getting paperwork from an attorney about foreclosure!!!!!!!!!!!

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 2020-10-01 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: FL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-01 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: TX

Complaint narrative:
Since agreeing and taking an auto lease with XXXX there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the XXXX XXXX XXXX XXXX XXXX in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to XXXX along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, XXXX attempts in XXXX and 4 attempts in XXXX - when finally XXXX decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however XXXX took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted XXXX and there seems to be no sense of urgency to resolve this very urgent matter.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JMAC LENDING INCORPORATED
State: CA

Complaint narrative:
The date of signing our loan through XXXX  XXXX, we felt rushed and the loan amount and extra cost we were told we needed to pay were not what we had talked about. My wife and I did not sign the documents. We declined the loan. We went with a new company the following week. 
Two months later we received a denial letter from JMAC Lending, the company we cancelled with. The letter stated we had Inadequate Collateral and Insufficient Data-Property. We have plenty of Equity in our home {$450000.00} ( {$870000.00} plus ). We recently had a home sell for {$900000.00}, a smaller version. Our credit scores dropped 35 points for the each of us after this letter went out. We are very  upset how this company JMAC can spread false information when we decided not to use them.

Company response to consumer: Closed with explanation