vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: RI

Complaint narrative:
I disputed this late payment status with BMW twice now and XXXX XXXX and equifax. This account has not been late, and is current right now. I just want the account to be updated to on time because according to every single account including my actually bmw account it is still current. I would like whatever month is showing late to be deleted that lowered my score last week. I have been current on this account since XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Collection/Debt is not mine. {$220.00} is the amount that CREDENCE RESOURCE MANAGEMENT is asking for. 

I called to dispute with CREDENCE RESOURCE MANAGEMENT and they could not find me by my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
All I want to say in this complaint is that Ford Motor Credit Company is in fact, acting against my consumer rights, and I want them to do the right thing. I have been damaged emotionally and financially because of their acts. 

The account involved is the following : Account # XXXX Date opened : XX/XX/2012 Original balance : {$28000.00} The reason why I state that this company has been acting against my rights is because they have been doing the following : - Reporting inconsistences across bureaus. 
- Failing to provide fair customer service. 
- Wrongful and dishonest practices. 
- Break of contract I will attache some documentation so you can send it to Ford. 

Thank you for the existence of this portal. I hope to get a fair solution to this matter soon. 

XXXX XXXX Best!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: GA

Complaint narrative:
XXXX has been my student loan servicer since XX/XX/XXXX since my loans were consolidated and rehabbed. There are multiple incorrect/ inconsistent late payments reporting across all 3 credit bureau with different balance and dates. Not only are the late payments incorrect, I have documentation that the account was supposed to be in forbearance or deferred at the time. The loans originated from XXXX XXXX XXXX University which is closed now due to fraud so I am unable to get any information from the institution. XXXX had the loans first they are now involved in a lawsuit. A new class action claim that was filed on XX/XX/XXXX against XXXX also included my some of the situations I've dealt with. I have reached out multiple times to try to correct my file with no action the last time was XX/XX/XXXX. Per FCRA this needs to be addressed it must be taken off my credit or adjusted.

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 2020-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The company has failed to verify the information on the credit bureau. 
XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies  when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2020-08-20 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: LEXISNEXIS
State: AZ

Complaint narrative:
The company has failed to verify the information on the credit bureauXXXX XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: MO

Complaint narrative:
I have taken on serious financial hardship since the start of the corona virus that has permanently shifted my options for work. In order to avoid foreclosure on my home I have started renting my space on XXXX XXXX  full time in order to avoid defaulting on my mortgage. When my financial straights first began occurring an individual from CMG Mortgage told me about the option of doing a permanent loan modification which had the ability to radically reduce my monthly payments and make my living circumstances more manageable. I submitted all my documentation to begin this process in the month of XX/XX/2020. During this process CMG has lost my paperwork on two separate occasions. They never reported to me an update that the paperwork was lost or incomplete. I had to call to check in and found out on my own. My calls were dropped by work at home employees on over two dozen occasions after 1+ hour wait times on the phone. I have been put into forbearance without my approval on 3 separate occasions now since this process has started without any request on my end. I didn't even realize I was on forbearance until I have called in to check on my loan modification. The last submission I did for my loan modification was two week ago. This was made because underwriting at CMG decided my circumstances didn't seem permanent enough to approve me for a LM. I adjusted my hardship letters to better reflect my circumstances and finally was approved for the loan modification today. The kicker is that I was only approved for a now temporary modification of 30 days. Given the nightmare costumer service I was receiving I began recording phone conversations with the representatives I was speaking with in the loss mitigation department. I have recording of multiple employees telling me that this modification would be a permanent adjustment to my loan 's interest rate reflected on the current principal balance on my loan. This company has put such dramatic strains on my well being that I almost see no other option but to file a lawsuit in some capacity if something is not done. I was told a supervisor would be contacting me within 24-48 hour but I have been told on multiple occasions that this would occur and it never has. I am at my wits end and am not sure what action I can take in order to protect myself at this point. This mortgage company should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I applied for and received an education loan from XXXX Bank in the amount of {$18000.00} on XX/XX/XXXX. When I received the loan I paid {$1600.00} for an " XXXX XXXX ''. The terms were {$300.00} per month for 240 months beginning in XXXX, XXXX, when I would finish school. Due to a hardship, I was unable to complete my education then and found that my loan was transferred to American Education Services, that managed the loan instrument of XXXX XXXX ( see statement attached ). Once the loan was transferred a new balance of {$22000.00} was assessed. In summary, I have been paying on the loan for 13 years at {$170.00} per month. That equates to about {$27000.00} paid to the company and I still have a balance of {$12000.00}. I was young and naive and desperate to get funding for college. I was gullible enough to be victimized by a company that took full advantage of me and still is. 

Currently I have a wife and XXXX toddlers. I am struggling to make ends meet during these challenging times so I decided, today, XX/XX/XXXX, to call the company with hopes of negotiating a payoff that is reasonable and fair, considering the amount I have exorbitantly paid through the years. I spoke with a young lady who was a representative and told her what I wanted to do in terms of renegotiating the loan for a lump sum payoff. She told me her computer froze and she needed to transfer me to someone else. She transferred me to a loan officer, much older, named XXXX. When I presented my case to him, he told me I had no choice but to adhere to the terms since the private lender requires that. XXXX prefaced that he was only the loan officer and had no control over the terms. I told him to put me in touch with somebody that could consider my request. XXXX talked around it and repeated that the private loan company will stick to the terms. I asked him who is the private loan company. He replied that it was " Southern '' and that he could not pull it up on his screen and had to go to another window. I said fine. XXXX then said you aren't the only one who has asked me that question. He put me on hold and after 10 minutes did not come back on the line. I know it does not take that long to provide me with information about a loan company that he does business with on a daily basis. 

I would appreciate your intervention and helping me to either negotiate the terms I offered or connect me with legal counsel that are experienced in this matter. 

Thank you. 

The name and contact info of the company : American Education Services XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Chrysler Capital is destroying my credit score by reporting my lease as late to XXXX XXXX and XXXX XXXX. I made arrangements in XXXX with Chrysler to extend the lease the lease terms due to Covid related financial hardships. Chrysler assured me no negative credit reporting would happen during our length of our agreement. would not be Not only has Chrysler been reporting my account negative but they've also been assesing {$35.00} a month in late fees. I've contacted Chrysler 's customer assistance department and their executive office demanding they remove the erroneous reporting. I have been unable to dispute these reports since the credit reporting agencies do not allow more then 1 complaint against the same company, causing further damage to my credit score. I spoke to Chrysler on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today XX/XX/XXXX. I was told yet again today that they have made a mistake but that only the president 's office can remove the negative reporting and that could take up to 90 days, if they actually do it. I want this removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 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: IL

Complaint narrative:
Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am thankful Capitol One extended me credit 9 years ago. I have a XXXX secured credit card XXXX {$350.00} credit line ) and an unsecured ( {$3600.00} XXXX they continue to charge me XXXX XXXX for the secured credit card. The manager I spoke with said he can not do nothing about this it was based on my credit score at the time of application however anyone who reads the newspaper know the fed is lending this bank money at 0 % I am a taxpayer if XXXX  helps them with low interest rates, why should I pay so much? 
Also with widespread unemployment in the United States they outsource jobs to other countries because I spoke to a friendly rep from overseas These interest rates are way too high so perhaps I'll take the matter up with XXXX XXXX XXXX XXXX The spread of a consumer loan and what the bank is getting money from my federal government is way too big

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have been receiving bills from XXXX XXXX XXXX for a person with last name XXXX ; however, I never had any service through the company. I reached out to XXXX XXXX XXXX to let them know that this does not belong to me, and they were not able to produce any proof that they belonged to me. The company noted to disregard the notices. 

Today, XXXX/XXXX/2020 I received a letter from IC System - Collection Notice regarding a balance due of {$520.00} ( reference number : XXXX ; account number XXXX ; creditor XXXX XXXX XXXX. The name, again only shows " XXXX '' without a first name. However, the address is my address. 

I believe that the company is mailing out mass letters to every address related to any persons with the last name 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 explanation
Consumer complaint received 2020-08-20 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: IL

Complaint narrative:
fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX on my credit Acct # XXXX is fraud.

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 2020-08-20 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be 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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
There is a charge off account on my XXXX XXXX and XXXX credit report and I have not received any verification or information regarding this account that is in my 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 2020-08-20 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: IL

Complaint narrative:
fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXXXXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXXT is fraudulent on my credit Acct # XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX on my credit Acct # XXXX is fraud.

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 2020-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC
State: CA

Complaint narrative:
I was approved for a loan from a finance company -- Sunlight Financial -- through a XXXX XXXX that installed the products on a duplex type property I own. I began paying after about 18 months and to date have made about 9-10 payments ... but NEVER, NOT ONCE, DID I RECEIVE ANY BILLING STATEMENTS!!! Now as I am doing through a Refinance of the loan on the property, I discover just now that I own about {$46000.00} when the beginning balance was {$46000.00}! I also discover that they have applied pratically ALL the payments I have made to INTEREST!!!!!! It seems ALL the billing statements they sent out went to an incorrect address and were RETURNED!!!! I requested a printout of ALL the statements be emailed to me. THey say they sent me several emails but I NEVER SAW ANY OF THESE EMAILS or else of course I would have responded. I'll bet if they had not received the payments theywould have CALLED and LEFT A MESSAGE!!!! They said they thought I understood they were applying most of payments to interest ... no matter I HAVE RIGHT TO RECEIVED MONTHLY BILLINGS ... that they could have may send by EMAIL!!!

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 2020-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP
State: UT

Complaint narrative:
Im filing a complaint against US Bank Leasing for increasing the dealer payoff of an automobile lease nearly {$6000.00} to a dealer where I was trading in my car. 
I had a consumer automobile closed-end lease through US Bank on a XXXX XXXX I purchased in XXXX. I have been working with XXXX XXXX XXXX to trade the car for a new XXXX XXXX to reduce my monthly payment. I still had 5 more payments left on the lease, so I called US Bank to get the amount of the payoff. It took several calls, but I finally got a payoff quote of {$25000.00} on XX/XX/XXXX. 
I went into XXXX XXXX XXXX on XX/XX/XXXX to sign the paperwork and purchase the new car. When the XXXX XXXX dealership called US Bank to get the exact amount, they were told that the payoff would be {$31000.00}. This was a shock to me and to the finance people at XXXX XXXX! The dealer called several other people in US Banks lease department and was told the same thing. US Bank said that the car was valuable, so they werent willing to let the lease be paid off for the {$25000.00} left owing on the lease. They admitted on the phone that they just wanted to make more money. 
I was stunned! I thought payoff amounts were regulated and required to be accurate. The agreement is a closed-end lease through a bank. US Bank is the lender and should have no right to inflate the payoff or retail a car unless it has been repossessed. 
To resolve the issue, US Bank told me I would have to pay off the loan myself and wait for them to send the title before I could trade in the car. Paying off the lease myself required me to borrow the {$25000.00} for several weeks until they sent the title. In addition, their payoff included {$1700.00} in Utah State sales tax which would not be included in a typical dealer trade in since Utah sales tax is included in the new car purchase. So now Im paying sales tax twice! 
I have never been late on a payment! And with all the current financial problems COVID 19 is causing, US Bank is intentionally increasing the cost of my new car which reduces the benefit of buying a less expensive car to reduce my monthly payment. Absolutely appalling! 
I am filing a formal complaint because US Banks practice of inflating lease payoffs to dealers should not be allowed under a closed-end lease agreement. If it is legal for them to do that, it certainly isnt ethical. They are in essence charging me either {$1700.00} extra in sales tax or {$6000.00} extra to the dealership where I am trading in the new car. 
There are 4 attachments : 1 ) Copy of the original lease, 2 ) Explanation of lease payoff request from the dealer, 3 ) Lease payoff form to dealer, 4 ) Lease payoff form 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