vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
XX/XX/XXXX. I signed my name to a loan for a vehicle through XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX for a used XXXX XXXX XXXX I.D . number XXXX Annual percentage rate 21.689 %, Finance Charge {$14000.00}, Amount Financed {$18000.00}, Total payments {$32000.00}, Total Sale Price {$32000.00} including down payment {$400.00}. I have been paying Bridgecrest {$430.00} every month since XXXX. I got behind in my payments XXXX, because of income decrease and have been trying to get caught back up. My truck was repossessed XXXX Total unpaid contract balance including accrued finance charges, other fees, and any other amounts added to my debt, if any, as allowed by law expenses of there retaking the vehicle. {$10000.00}, {$300.00}, Total amount required to redeem {$11000.00}. I was able to negotiate {$960.00} to get my truck back. Today I spoke to Bridgecrest about another decrease in my income, and if they could go by my income that I'm getting, because I have not been able to pay my rent in the amount of {$760.00} not including Gas, Electric, Water. I was told to pay {$360.00} starting XXXX, {$850.00} by XXXX, or {$1100.00} by XXXX and make regular payments of {$360.00} every two weeks until it will be paid off by XXXX XXXX and my title will be {$18.00}. I simply can't afford this with the income that I have been making. I have been paying on my truck since XXXX. I can't afford to loose my vehicle I have been paying on this long. And I have been doing the best that I can to pay them. They told me that they can't base anything off my income, because I agreed to pay this amount at the time I signed the loan even though I not making what I used to make. I'm still responsible for paying this amount. I am a single parent with a child at home and I should have never signed my name to this loan. All I wanted was a decent car to drive instead of driving a lemon, I have been charged triple for this used vehicle. The covid has been in existence since XXXX. I work with developmental XXXX and it has allowed me to continue to work. I can't work from home. I also have been trying to work odds and ins jobs just to make ends meet. Please don't let them take the only transportation that I have to go to work. It's hard enough. I have other bills, Truck insurance, Maintenance and repairs. I simply can`t do anything at this point, but pay Bridgecrest which is putting me further into a debt crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Re : Account # XXXX On XX/XX/XXXX, I authorized a bill payment of {$800.00} for the XXXX XXXX Credit Card to go to XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
Unfortunately, Capital One 's bill pay system says they mailed the check, but the check was cashed in XXXX, Mn on XX/XX/XXXX. I am disappointed because I have trusted Capital One bank since XXXX and used this service continually and this is the first time, I have had this problem. Capital One 's bill pay service does not work correctly, nor does its dispute service because I called and continued to call just to receive the canceled check weeks later. While my dispute was denied the same day and not one person noted that the check was cashed in a different city and state than the merchant addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XXXX XXXX XXXX I received a validation packet from MDS with procedures and amounts listed. I asked this company to validate my debts, but not to violate HIPAA I do not know the people that work at this company nor do I sign a HIPAA form giving this company permission to send me my medical XXXX on the dates of service I requested. 
This is a direct violation of HIPAA. 

On XX/XX/XXXX they have decided to send this information to me again, after i contacted them advised them they violated HIPAA, and to remove these debts off my credit. They put it off on the original creditor who is XXXX, but XXXX did not send me anything directly this packet came from MDS

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 2021-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
It's ridiculous that they will put anybody in a car, without proper verification!!! These interest rates are crazy. They have ruined so many people lives

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: AZ

Complaint narrative:
I left school in XX/XX/XXXX and my last student loan was issued prior to that. I consolidated and made payments under a consolidation plan. After that I was forced into a new consolidation because loans that had been paid off were being placed in collections. Now, after making more than {$20000.00} in payments, I have a balance due of {$140000.00} on loans that originally totaled around {$50000.00}. I have asked the both the servicer and the Department of Education for copies of all of the promissory throughout my loan history as I believe there are discrepancies. The servicer told me to contact XXXX and XXXX told me to contact the servicer and this has just gone back and forth for about two weeks. 

I want the copies because I believe they reconsolidated loans that had already been consolidated. 

I also want these copies so I can share them with my Senators as they move forward with their loan forgiveness legislation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I recently saw on my credit report that I was 120 days late as of XX/XX/2020! I'm not sure how this could have happened as I pay my card off every month and was not informed of these " late '' payments.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed Chapter XXXX XX/XX/XXXX. It was successfully discharged ( paid in full ) XX/XX/XXXX. The United states Bankruptcy Court sent this information to the credit bureaus. Two accounts were not updated with Experian. They are XXXX XXXX XXXX and XXXX XXXX. They were part of the bankruptcy and listed on the documentation provided to me by the US Bankruptcy Court. Even though the Bankruptcy Court sent official documentation, so did I. I mailed the official documents XXXX. I noticed by mid XX/XX/XXXX, there was no response or acknowledgement of receipt when checking my Experian account. I then filed a dispute online and uploaded the official documents. I received a response my dispute was complete. I viewed the accounts and no change was made. I called Experian and upon explaining my issue, I was told to dispute again. I did and the same thing happened. I called Experian twice more and yesterday an Experian rep placed me on hold and then the connection was lost. Within 30 minutes I received an email stating the dispute results were ready. I checked my Experian account and nothing changed. I called Experian again today and asked to speak to a supervisor. The supervisor stated they couldn't help me. I have been trying to get resolution more than a month for this issue and this is my life that they are playing God with. I need help and don't know where to turn.

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 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: SC

Complaint narrative:
I am not aware of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from Fedloan that my payment terms had changed and my payment was going to increase due to previous monthly payment amount not be sufficient to pay off your loans within the time period allotted. 
When I received this letter I knew immediately something was wrong AGAIN ( I have made prior complaints through CFPB and Dept of Education regarding Fedloan ). 

My payment terms should not be changing due to : 1. payments being suspended due to COVID. 
2. my payment should not be increasing due to the 0 % interest rate since XX/XX/XXXX. 

0 % interest rate saves money overall, even though my payment won't be lower. The full amount of my payment should be applied to the principle balance of the loan. I was up to date with my payments prior to the payment suspension period began, interest accrued prior to XX/XX/XXXX, will not capitalize. Therefore no outstanding interest will be added to my principle balance when payment suspension ends. 

Despite not having to pay my loan I have continued to make payments : {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX Repayment terms : XXXX XX/XX/XXXX Repayment amount {$28000.00} - 90 months {$310.00} 1 month {$310.00} Repayment amount {$78000.00} 90 months XXXX 1 month XXXX Total : {$1100.00} New repayment terms XXXX ( this date is incorrect it should be XX/XX/XXXX ) Repayment amount {$25000.00} 76 months XXXX 1 month XXXX Repayment {$69000.00} 76 months XXXX 1 month XXXX Total : {$1200.00} I should not have to pay more I should actually being pay less especially since I have resumed my payments. 
first loan amount is reduced by {$3300.00} ( $ XXXX now {$25000.00} ) second loan amount is reduced by {$8900.00} ( $ XXXX now {$69000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX NATLCRSYS National Credit Systems , Inc.. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
I just received this Us Bank Reliacard in the Mail I understand this is for Government agency 's to help reduce mail. I haven't asked for anything and the card came to my address with the name XXXX XXXX? I'm not sure if this is fraud but I did report it to my XXXX account and will take it to my local Police department. We have had several neighbors on our street getting 1099G 's for unemployment? I don't want to be one of those next year. Can you please help us with this issue. From the research I have done on this that when I call US BANK the person that filed can get the money but they have no way of canceling this card. Who ever this person is doesn't live here and we don't know how they got our address or who's Social Security Number they are using Thank you 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 non-monetary relief
Consumer complaint received 2021-02-26 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: MD

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
on XXXX XXXX, 2020 I lost my job affected for covid 19 pandemic, I been paying this loan for 3 years alreday, never late and never miss a payment.I tried to make arragements with them but is imposible, I understand is not they obligation but we are leaving with a pandemic and is somenthing no body expect it. I have been working for 18 years and I lost my job. I send them emails, and make several phone calls but they denied support me on this situation. they reported to credit bureau damage my excelent credit and my account is charge off damage my cretit worse. I appreciated any support on this. LendingClub dont apreciated there clients on this pandemic, they send letter and advice to call for help but when you call they say you need to pay what is behing plus late fees and amount is going up every month.I email them but they never answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, I was scammed into purchasing ( 6 ) {$1000.00}. gift cards at XXXX 's using my Chase Visa Credit Card. When I realized that I had been scammed that night, I contacted Chase and told them that the charges were fraudulent. They said that I would have to wait until the charges were posted, and then I could dispute the charges. 

I waited 3 days until the charges were posted, and then phoned to file a dispute. I was informed that I could not file a dispute. I was sent to the Fraud department, and they investigated the charge and deemed that it was not fraudulent and that I was responsible for payment of the {$6000.00}. 

Further, I asked for some help in letting me pay of the charge interest free. They refused to provide me with any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
Our home was destroyed by a tornado on XX/XX/XXXX. It was uninhabitable. I went into a forbearance plan for the months of XXXX through XX/XX/XXXX. The loan was sold to a different company in XXXX. Under the forbearance plan, I was not required to make payments and this would not affect my credit. I was incorrectly reported to the credit bureaus in XX/XX/XXXX for non-payment. I notified Amerihome of their mistake. They investigated and provided a letter admitting their mistake and stating they will correct it with the credit bureaus. The letter was dated XX/XX/XXXX. I was not made aware of this letter until XX/XX/XXXX. The credit bureau XXXX  was NEVER notified or corrected and it is STILL reported incorrectly as of XX/XX/XXXX. I have notified Amerihome multiple times but keep being told " it is under investigation '' and nothing more can be done for 30 days. This is preventing me from being able to buy a new home for my family. I have unfortunately already put an offer on a home and it was accepted. I will not be able to secure the new mortgage due to this continued error and will lose all of the money I have spent on inspections and appraisals. The seller is only extending the offer for 5 more days. I have had multiple phone calls and emails to Amerihome that have not made a difference. The worst part isn't that we lost our home and everything to the tornado ; it's that I did everything I was supposed to on my end to properly go into a forbearance plan and keep the mortgage company up to date. But here I am, just trying to buy a new home for my XXXX children but unable to because of Amerihome 's incorrect reporting and refusal to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
We were erroneously reported to the credit bureau for a delinquent payment with BMW Financial that isn't accurate and is impacting our credit score and the ability to get a Home Equity Loan needed for improvements to our home. 

We have submitted a written request to BMW Financial in writing as requested and haven't gotten much response other than the fact that they don't have a record ( according to their customer service representative ) of being reported for a delinquent payment. 

We have impeccable credit and very little debt and this error in our credit report has impacted us severely and need it resolved as soon as possible. 

We have documentation that our account is current, in good standing and up to date as it always has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I changed Home owners Insurance companies In XX/XX/2019 and notified the bank in XXXX and they removed the forced insurance XXXX XXXX and said I was all good nothing would be charged me. Shortly after I received a notice that I need to have wind coverage added onto the insurance. I called my agent and they said I couldn't add it even though the insurance was young I had to cancel and reorder insurance with the wind which I did. The bank Had NO insurance on my property since they cancelled everything XXXX XX/XX/2019 ) once I submitted the insurance from the start of what they thought was a lapse. I had insurance the whole time. Once I turned in the new policy they said I had to prove i had wind insurance from the beginning. The insurance company wouldn't do it back date so I told them. In XX/XX/2019 they supposed took out wind only insurance for XXXX what wind insurance costs of one year for the time period XXXX XXXX. They did not have insurance on my property at this time but months after supposedly purchased it after the fact. I was told multiple times I would not be charged for it on the phone ( which they always insisted we talk by phone ) I have no written proof but I did have one name which they supposedly never found the person. Once they told me I would not be charged I threw away all the little pieces of paper with all the names and times I spoke thinking it was settled. They have been harassing me and not applying my house payment, charging late fees and likewise high jacking me with their insistence on charging me for a service I DID NOT RECEIVE. I have been arguing for two years over and over with no success. I do not plan to pay for a service I did not receive. According to my insurance agent you can not collect for service that is past. That is why they could not just add it. My wind for that year was under {$200.00} for the whole year-where they are trying to get {$210.00} for one month and not actually providing that service. I am adamant about not letting a big company take advantage of me. Please help or tell me who I can go to to get 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 monetary relief
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
I've sent to Transunion on XX/XX/21 there has been absolutely nothing processed or no sign of investigation and no information has been given to me. 

Not only are the accounts in violation of Federal Law ( unknown and not belonging to me XXXX they're also not even investigated at all. I've sent these accounts certified mail and I do see Transunion is in receipt of this. 

Its now 2-3 months with NO communication. What's going on? I will be pursuing legal assistance ASAP!

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 2021-02-26 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation