vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
On XX/XX/2020 I went to BMW of XXXX ( Virginia ) to buy a car. During the process, the sales person asked me to fill out a credit application with BMW Group Financial Services. I stated that I had financing approved through XXXX XXXX XXXX XXXX. The salesperson then stated he needed me to fill out the form so they could do an OFAC check. When I asked what that was he said it was to confirm my identity. I read through the form and it clearly stated that signing the form was an authorization for requesting a consumer credit report. It also authorized sharing my information with other BMW affiliated organizations. I again declined to sign the form, but the sales person brought a manager who also stated I was required to sign the form so they could check my identity. I then read aloud the statement above the signature which authorized a credit check and said I would not sign the form. They eventually moved forward with the sale of the car, but the dealer practice is clearly fraudulent as they are blatantly lying to consumers who do not need financing. 

Dealers can check customer names against the OFAC sanctions list at this website : https : //sanctionssearch.ofac.treas.gov/. Consumers should know that auto dealer personnel are being fraudulent by stating you need to fill out the credit application form for an identity check. 

While the fraudulent statements were made by the dealership, they were using an official BMW Group Financial Services application form. The statement above the signature reads in part : I authorize BMW Financial Services ... to request information from me and to make whatever inquiries considered necessary and appropriate ( including requesting consumer reports from consumer reporting agencies ) in considering granting me credit ... offering me other products including credit cards ... I understand you use automatic telephone dialing ... I expressly consent to receive autodialed calls ... ( etc. ). By signing below, applicants authorize submission of this consumer credit application to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. 

BMW Financial Services should take responsibility for the fraudulent use of this form and ensure BMW dealers are not misrepresenting the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
The stuff they're suppose to to teach you in school, they don't. If they did then I would have known not to use a company called Acima Credit. I have a furniture lease for some cheap furniture that I regret getting. Long story short, I was forced to stop working the first week in XXXX. Before that week ended I called my bank to place a stop payment with Acima since I didn't have the money to pay for the furniture. With a stop payment in place, Acima still ran the charge through multiple times in different ways ultimately taking funds from my account. Funds that were needed to feed my XXXX kids. This company charged my card even with a stop payment in place. All the while without my authorization. I didn't speak to them the whole month of XXXX. Every time they charged a payment, I received a receipt and then a past due notice saying that I was still past due. Well in XXXX, Acima has taken money out of my account every Friday. That's up from every other Friday in XXXX. With no authorization from me, this company has interfered with how I feed my kids and my bill pay for my home bills. This company has been dead set on getting there payment all while still accessing past due charges for some cheap furniture. Next time, ( never ) my kids and I will just sit on the floor. These crocked finance companies suck taking advantage of the people barely making it out here. It should have been my choice to pay them or feed my kids. They forced my hand. Thank you reading my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, N.A. closed all of my personal and business bank accounts and credit cards around XX/XX/2019 for no discernible reason. Their correspondence says that they made a " business decision '' to close my relationship with them. Upon closing my personal credit cards, they stole {$2500.00} in cash rewards by not paying them before closing the credit card making them " null and void ''.

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 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian denied my application for a loan from XXXX  XXXX XXXX  for an XXXX. I believe the denial was XXXX, based solely on my last name being XXXX. I have a high six-figure come - my wife, with whom I share all my accounts, was able to get the loan approved using the exact same credit card, despite not having worked for 7 years. Her name is listed as my wife on the expedan data base. My credit score is XXXX. The only difference in the 2 applications was my XXXX name.

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 2020-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Reference earlier complaint # XXXX. 

On XX/XX/2020, at approximately XXXXXXXX CT, I received a phone call from a Restricted number with a Rep. named XXXX on the phone from Amex. She offered to immediately transfer me to an American based supervisor. 

A unnamed " supervisor '' from N. or S. Carolina responded. At this point she attempted to ascertain the problem. I advised of my earlier interaction with the mobile app and customer service. I also advised her of the CFPB complaint. 

She then proceeded to blame me choosing the wrong card. I advised the app did not provide the option nor was I ever asked. She then asked me what date I did the Credit Limit increase. I informed her that was the point of me contacting Amex was to find that out ... .. 

During the next ~13mins of the call, I was blamed multiple times for not asking the right question or giving certain specifics. I advised I dont work for Amex and therefor I dont know what they require unless they ask. Amex never asked any clarifying questions.This occurred several times during the call. 

At this point, I feel the purpose of the call was simply to harass and belittle me. I then requested the date of the Credit Limit increase in writing. The request was declined. 

I advised I would file another CFPB complaint and the Supervisor then tried to tell me how CFPB was going to respond. I simply said she can not speak on behalf of CFPB and she ignored my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Exercising my right under the Fair Reporting Act 611 ( a ) ( 6 ) ( B9iii ) which provides that a a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '', I wrote to TransUnion on XX/XX/20 and asked that they provide me with their method of verification of the bankruptcy showing on my credit report. While the " creditor '' in this case would be the US Bankruptcy Court in XXXX Indiana located at XXXX XXXX XXXX XXXX, XXXX, IN, I enclosed a letter from the US Bankruptcy Court in XXXX Indiana which states that " the court does not provide any information directly to any third party information gatherer. '' Since that is the case, the credit bureau or TransUnion in this case, could not have properly verified the information reflected on my report. The credit bureau did respond, however, to say that the information had been verified as accurate. They did not, however, state whom they spoke to nor how the information was verified.

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 2020-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
XXXX TRANSFER REFUND ( not processed, now XXXX  months later ). 

The issue started when on Tuesday XX/XX/2019 ( XXXX ), I sent {$1100.00} from XXXX VA to XXXX XXXX The recipient had given me an erroneous name ( or perhaps an incomplete name ), which did not allow him to collect the money. 

It does appear as if I fell for a scam, but nonetheless, the money was NOT collected, and so I requested a refund/return to me the original sender. 

My account is verified with MONEYGRAM, with my State Driver 's I.D., and so the fact that I am the owner of the money that I sent is confirmed and established. 

On several opportunities ( beginning XX/XX/2019, and through to XX/XX/2019 ) after going back to the location -- XXXX XXXX, XXXX XXXX XXXX, XXXX  VA-XXXX  / XXXX -- where I sent the money, I got in touch with MONEYGRAM Minnesota Headquarters / XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN-XXXX  [ XXXX ], and convinced them that the sender was not in receipt of the funds ( which they confirmed ) and I was requesting a full refund ( minus transfer fees ), of my principal transfer sum. The MONEYGRAM HQ gave me a new reference number with a refund Reference number, to send the money back to me. 
However, neither XXXX nor MONEYGRAM HeadQuarters have in fact refunded me the money since then, nor have they presented me with a solution and have in fact avoided giving me a clear resolution. They have stated that the transaction seems suspicious which I have not denied being that the recipient was seemingly using a false name, but I am a real person who sent real money and confirmed with a real State-Issued driver 's license. So the fact that I am the owner of the funds I sent is very verifiable. The money is still there. 
They have refused to honor the return Reference number, and so I am writing to request your support in recouping this money, and returning it to me it's rightful owner. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
Did not count my payments from old servicer ( XXXX XXXX ). Had contacted my congressman, DOE ombudsmen and FedLoan multiple times. Still haven't correctly counted my student loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I do not have a binding contract with mercantile adjustment BU in writing to place a trade line on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX by Experian reported an accident on my XXXX XXXX XXXX XXXX that I bought pre-owned from a reputable car dealership almost two years after the reported accident dated XX/XX/XXXX. I purchased the car on XX/XX/XXXX, and I received a clean and clear XXXX report, and XXXX Report with no reported accidents on either report, prior to purchasing the vehicle. I went to get a value on my car on XX/XX/XXXX and the appraisal had a reported accident on it that has an accident date of XX/XX/XXXX which is almost 2 years after I purchased the car. I then filed a case # ( XXXX ) with XXXX by Experian asking them to remove the accident, because I have proof there was no accident prior to the purchase of my vehicle. XXXX response was to go back to the previous owner for a response and they could not remove the accident report at that time. I went to the dealership and the dealership gave me a new XXXX report and told me the accident on the XXXX  report is incorrect or error and XXXX  should remove the reported accident. I again, sent an email to XXXX for the same case number ( Case XXXX ) and spoke with XXXX at XXXX asking to have the reported accident removed, because I went to the dealership and they confirmed the accident was indeed an error and should have not been reported, and his response to me was that nothing can be done to remove the accident from the XXXX  report and if I want to know the repair shop that reported the accident, I will have to get a subpoena. No other information is provided about the accident other than the date of the accident which seems irrational. 
Here are the issues with this problem : 1. ) This accident reported on XXXX has caused my car to lose at least {$2500.00} in value and I wouldnt have purchased the vehicle with a known accident. 
2. ) XXXX response is that any auto repair shop can report an accident at anytime even if the accident was more than 30 days after a repair, which is out right unreasonable and should be regulated for consumer protection. Accidents or repairs should not be reported later than a specified time frame such as 30 days for a repaired accident. 

I attached the reports to this complaint. Something must be done to fix this issue. Please let me know if you need anything else to proceed. 

Thank you for your 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 2020-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I initially had a consolidated FFEL loan through Great Lakes Education, the loan was sold to NelNet on or about XX/XX/XXXX. I was told there would be no changed to my agreed upon payment plan based on this move. My loan has been on the graduated repayment loan since the beginning of pay back and I am currently supposed to be paying XXXX a month until the loan is paid back. I have not missed paying any installment from the start of my payback period. In XX/XX/XXXX, I noticed that Nelnet had stopped the auto-deduction from my bank since XXXX. When I called Nelnet I was told that they changed my repayment plan based on info they obtained from XXXX University. The new payment plan is a lower monthly cost for an extended repayment length. At no time did I request nor authorize this change from either XXXX University  or Nelnet. Nelnet told me they did this based on info they received from XXXX University  and had placed an email in my " inbox '' on their website informing they were changing it. They refuse to return my plan to its original agreement. This is a deceptive practice and should not be allowed. I do not access NelNet 's website for any reason, as I trust the auto deduction will be carried out per agreed to by myself and the original payment plan. I did enroll in a XXXX  program at XXXX ( I have since withdrawn ), but at no time requested any loans from the university or NelNet as I have been paying for classes out of pocket to avoid adding any more debt to my existing school loan. I have also been taking courses at XXXX XXXX University  for several years prior to enrolling at XXXX and this did not happen based on those courses. I would like my original payment plan restored. They had no right to change my plan without my direct consent which they at no time received. On the phone conversation I did allow them to withdraw the amount necessary to make up for the missed payments for XXXX and XXXX however they have continued to only take the new reduced amount since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: OR

Complaint narrative:
I was prequalified for a jumbo mortgage through Better. Since my application, I consistently receive regular false communications in violation of TIL laws about a supposed guarantee regarding the rate. Whenever I try to reach out, I get excuses about the matter, but have stopped receiving the false statements about the guarantee via e-mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Exeter is the loan company my son and I are on loan together. he lost his job tried calling the company on XX/XX/2020 to let him know that he as no job and we need to see if we can change it over for me to be the primary loan holder. could not do that or take him off or see if can refinance and get a better interest rate. just wanted payment. interest is 29 percentage and was advised in the state of florida interest rate is only 24 percentage no higher. we are being charged more then the state requirements on interest. first car for my son had to get this loan underneath him as cosigner because he had no credit. per dealership was told interest is way to high for florida. would like to get interest better and see if can change it to just me and he be cosigner. did send in a complaint to the XXXX XXXX XXXX with no response from them yet. was sent in and waiting to hear from them official. any assist would be great. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Multiple occasions I made payments once on the XXXX of XX/XX/2019 for XXXX dollars and another payment in XX/XX/2019 for my payment in XXXX. Commenity bank charged me late fees yet again and refused to resolve the issue while racking on more fees. I advised I would make payment once they corrected the additional fees that were added incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX credit card was paid off 3 months ago there is no balance on 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