vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
My BMWF Services account is past due for XXXX and XXXX, XXXX payment is due on XX/XX/XXXX. Due to XXXX XXXX, my employer, XXXX XXXX  XXXX, is expected to shut down temporarily.. That being said, income will be limited. I will continue to make payments to attempt to cover past due amount, however, I request BMWF to hold off payments until operations resume. I do not want to risk repossession. The XXXX payment is coming due soon, I request BMWF hold off billing and payments, possibly apply them to end of loan. Further, I am expecting an inheritance soon, I have attached a screen shot from attorney handling estate showing estimated amount I expect to receive. According to the email, disbursement of funds from estate is expected to occur this month or next.. Once I receive payment, I fully intend to pay off loan which I can do as I expect to receive at least 300k. I request BMWF to hold off billing starting with XXXX or allow me time to pay off loan in full before repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. This information has been repeatedly disputed via the credit reporting agencies to no avail. This reporting is illegal. 

As well lender is not reporting sale amount against total amount due. No late payment reporting is appropriate as US Bankruptcy protects the spouse of the person who was discharged.

Only proof of the BK was attached to Nissan Motor 's response. Further action will be taken if not resolved at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The mortgage company is NewRez, and their major company is Shellpoint Mortgage Service, LLC. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, XXXX  ; XXXX XXXX, XXXX  ; XXXX XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I payed two mortgage payments in XX/XX/2019. The mortgage company withheld my payments for two months refused to apply them to my mortgage for two months. I payed the current month in XXXX and made sure they released the previous payments to go towards my mortgage. I was told to pay a lessors amount for XXXX payment because I was told their was an overage. I payed the lessor amount. I sent in XXXX payment but the mortgage company sent it back. When I called the mortgage company I was told that they never received XXXX, XXXX, or XXXX payment. I tried again to pay XXXX and XXXX payment but they refused to accept payment. I requested assistance for help. I was told they would send me out a packet. I submitted the packet for assistance. I never received a response back. After reaching out to Loancare about assistance and inquiring about the paperwork I submitted, I was lied to and misinformed about someone working on my file. No one was working on my file. It never happened. I called several more times and was told they needed to submit a hardship letter and pay stubs. I submitted this as well but still no response. Finally I reached out again last week and was told they could not help me because my last modification was less than 24 months ago. Again I tried to make the payments and was told that I had to make four payments. I called back today and was told the same thing basically. I was told that they were aware that I made my XXXX payment but it was put towards escrow not my XXXX payment. Which meant I owed for XXXX, XXXX, XXXX and now XXXX. They refused to take anything less and stated they could not help me. I informed them that I had partial payment but could not pay all four months due to the cut back in hours at work from the Pandemic. No further assistance was offered just that he will make a note of our conversation.

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 2020-03-16 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I've recently been in constant contact with Equifax consumer reporting agency over the past several months regarding fraudulent accounts being reported on my credit file due to identity theft. I have included several disputes as well as a FTC Identity theft report. Equifax has for the most adhered to the Fair Credit Reporting Act in regards to sections 605b, 609, and 611 except for the fraudulently account listed as Attorney General XXXX which is not only fraudulent but list two different accounts with inaccurate balances as well inaccurate addresses. I have disputed this account on more than one occasion and have yet to received any documentation from Equifax obligating me to this fraudulent account. It has been well beyond 30 days for this investigation and yet this account ( s ) sill remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: TN

Complaint narrative:
XXXX XXXX account # XXXX ( TransUnion ) / XXXX XXXX # XXXX ( XXXX ) was opened fraudulently by a former member of my household without my consent and was concealed from me until they were no longer a member of my household. In an effort to resolve the matter as quickly as possible without involving law enforcement I made an agreement with XXXX XXXX / XXXX XXXX XXXX to pay the amount of {$1300.00} in to settle the account in full in exchange for non-reporting of the account on my future credit reports. XXXX XXXX XXXX accepted my payment and as their representative 's letter states ( see attached ) " the account listed above has a balance of XXXX '' and " that this matter is satisfied ''. Please remove the aforementioned account from my credit reports immediately

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 2020-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I voluntarily surrendered a XXXX XXXX after it kept breaking down. I paid thousands of dollars to have multiple items fixed and then the engine had to be replaced. I had a vehicle warranty on it, and it did not cover all the parts ( the auto dealership told me it was bumper to bumper ). It was beyond the lemon law time period, and they would not work with me. They sold it for an amount beyond what they have on my credit report after I surrendered the XXXX. I tried settling the amount and they will not work with me. I have disputed Credit Acceptance Corporation 's amount and also asked for them to remove the account off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On XXXX XX/XX/2020, I paid in full the loan to Cash Central in the amount of {$2500.00}, which has been confirmed by email. Starting this month, I am receiving 2x daily calls about " setting up a payment plan ''. My relationship with this business has been difficult from the beginning ; and, I should have ended it the first time they doubled billed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to put a credit freeze on my account 3 times and Experian 's antiquated computer information sheet balks at social security numbers, email addresses, etc, then tells you to write them when they reject my information. 

Unless they are marketing to me, they take no responsibility in freezing my account and their software has more bugs than an ant farm. 

It's unbelievable that in this day of information breaches that I can not protect my information. 

They are grossly incompetent. In the time it would take to write them, mail it, and get any response my information could already be breached.

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 2020-03-16 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: CA

Complaint narrative:
The mortgage company is XXXX, and their major company is XXXX XXXX  XXXX, XXXX. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, Transunion ; XX/XX/XXXX, XXXX  ; XX/XX/XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this 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 2020-03-16 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: TN

Complaint narrative:
XXXX XXXX account # XXXX ( XXXX ) / XXXX XXXX # XXXX ( Experian ) was opened fraudulently by a former member of my household without my consent and was concealed from me until they were no longer a member of my household. In an effort to resolve the matter as quickly as possible without involving law enforcement I made an agreement with XXXX XXXX / XXXX XXXX XXXX to pay the amount of {$1300.00} in to settle the account in full in exchange for non-reporting of the account on my future credit reports. XXXX XXXX XXXX accepted my payment and as their representative 's letter states ( see attached ) " the account listed above has a balance of XXXX '' and " that this matter is satisfied ''. Please remove the aforementioned account from my credit reports immediately

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 2020-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I sent Radius the attached revocation of consent to be contacted by telephone letter to them and yet they continue to call 3rd parties that they are not authorized to be contacting, recording their telephone calls without giving proper notice, and attempting to collect on a debt that they have no right to collect on. I want this harassment to stop it is causing me a lot of anxiety and I do not appreciate it 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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Calling numerous family members to get my number which is blocked. Calling in a state of emergency. This has to stop if they are doing this now. Wait for to people is dying and call. I work in DC. This is crazy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have had Fraud ~ Identity Theft, happen to me XXXX 3 times ~ in the past 3 years. It has as you can imagine, caused great pain and anguish to have to deal with very bad people who do this to Honest people who " play '' by all the Rules in life. I was in the very beginning, left with the thought ~ that what happened to me would be " logged '' into my credit files, so that when the Real and " Good '' people who must access my credit report ( it being confidential ) that they would see something that indeed reflected ~ just what had happened to me. IT DOES NOT! Why? The 1st time, I filed something, with the FTC and was distinctly left, with the thought that the Government would be doing exactly ~ that. Some bloody thing that the Authorized people who enter my Credit Reports for Authorized reasons ~ would see that I was " Violated ''! ( and that is how I truly felt ) So. Why did that not happen? I did everything I was told to do, and Absolutely Nothing ~ was entered ~ Re : That my Identity Was stolen and that it actually happened. NO NOTHING STATING IT ACTUALLY HAPPENED! WHY? Please be kind enough, as to Advise me, why. Please. Thank You, And for Heavens sakes, get back to me. I'm tired of getting " kicked '' ~ in my heart, it is so painful. Hope it never happens to another person, And why not do your bloody best ~ to catch these terrible ~ " people ''. And throw them in prison when you catch them, AND MAKE THE WORLD AWARE OF IT ~ PERHAPS IT COULD DETER THE OTHER BAD GUYS ~ FROM DOING IT TO ANYONE IN THE FUTURE. Thank You, XXXX XXXX XXXX. And please Stay Healthy!

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 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Calling numerous family members to get my number which is blocked. Calling in a state of emergency. This has to stop if they are doing this now. Wait for to people is dying and call. I work in DC. This is crazy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. I HAVE ALWAYS BEEN VERY CAREFUL WHEN IT COMES TO MY CREDIT AND I HAVE ALWAYS TRIED MY BEST TO KEEP MY IDENTITY SAFE. I DID ALL THAT I COULD DO TO AVOID THIS TYPE OF THING FROM HAPPENING TO ME. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a loan modification through Bank of America. They put me in trial payment from XX/XX/XXXX through XX/XX/XXXX. While I was made payments, my home went to foreclosure. I went to court with Bank of America and I showed all the evidence to judge. Bank of America had to buy the house back and reinstated back under my name. The loan modification was completed in XX/XX/XXXX. Bank of America mislead me and lied regarding the details of loan modification. The agent of Bank of America stated that they reduce principal amount and put it aside to allow your monthly payment less. All I have to do is to remain 5 years in house without default. After that this amount will be waived out and I would be able to sell my house without issues. He did not inform me that was a second mortgage I have to pay when I sell my home or refiance through conventional loan. I am devasted to find out after a buyer has been waiting for 3 months to close the deal. I want this to investigate and find a remedy for it. I can not afford to walk empty handed after the home sold.

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 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MO

Complaint narrative:
Saturday at approximately XXXX XXXX, I purchased a paypal prepaid card from XXXX XXXX XXXX for {$170.00}. When I tried to activate the card, the net spend company said I needed to take it back to the store that got it from because it wasnt properly marked as sold. So I did this and the manager said their books evened out and basically it wasnt their problem. Everytime I try to activate I get told the same thing. Its been 3 days now and Ive heard nothing from either end about a solution. Between the 2, someone basically took my money and neither side plans to give it back. Ive never had this problem before but it will be the last. Especially if theyre just gon na take my hard earned money and place blame on the other party. Im tired of doing this circle already and Id like my money. Either cash in hand or on the card it was supposed to load onto

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
contacted credit reporting agency about incorrect information on file and they reply that information is correct without providing me any details as to how the came to that conclusion. 

I've ask for a proper investigation but they are refusing to provide their verification method

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