vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX, my husband and I leased a vehicle through XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. A copy of the lease is attached. 

Section 6 Lease Payments clearly states our first lease payment in the amount of {$1000.00} was made that day, to be followed by 32 payments in the amount of {$1000.00} each, totaling {$35000.00}.

INSTEAD OF 33 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$35000.00} AS CLEARLY STATED IN THE LEASE,  XXXX  XXXX XXXX XXXX/JP MORGAN CHASE BANK, N.A., COLLECTED 34 PAYMENTS IN THE AMOUNT OF {$1000.00} TOTALING {$36000.00}. 

The automatic withdrawal of the lease payments from our bank account began on XX/XX/XXXX and should have ended with the XX/XX/XXXX withdrawal. Instead, and although the leased vehicle had since been turned in, XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. deducted an additional payment in the  amount of {$1000.00} on XX/XX/XXXX. 

I phoned XXXX  XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. in XX/XX/XXXX and informed them of this error. They acknowledged the error and stated a refund would be issued to us in the amount of {$1000.00}.

When the refund was never received, we followed up with XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. Instead of refunding the amount of the additional payment of {$1000.00} to us, we were told the credit had been issued to XXXX XXXX XXXX XXXX, the dealership to whom the leased vehicle had been returned. In speaking with XXXX XXXX, the General Manager of XXXX  XXXX XXXX XXXX, the dealership has no record of receiving this credit. 

Although the lease was in our names and the money, including the overpayment, was withdrawn from our bank accounts, the representatives at XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. were extremely rude, condescending and refused to provide any details on our lease transactions or payment history. When we continued to press for details, they hung up on us.

I am attaching redacted bank statements indicating the first lease  payment being withdrawn from our bank account on XX/XX/XXXX and the last lease payment being withdrawn from our account on XX/XX/XXXX as proof that a total of 34 payments, not 33 as  stated in the lease agreement, were paid or withdrawn from our account by XXXX XXXX XXXX XXXX/JP Morgan Chase  Bank, N.A. 

The vehicle was purchased from XXXX XXXX XXXX XXXX/JP Morgan Chase Bank, N.A. by XXXX XXXX XXXX XXXX, the dealership who accepted the lease return. Therefore, there should be no disposition fee.

I would request that the overpayment of {$1000.00} be refunded to us immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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: MI

Complaint narrative:
This account was deleted and Re-inserted onto my credit reports. I am including documentation to support my claim of violating my Re-Insertion rights per the FCRA. I was never notified in writing that this account would be re-Inserted. There will also be a document that was received from the Creditor when I asked for Validation and their refusal to investigate the account.

The Credit Reporting agencies are also refusing to Validate the accounts by providing me with a contract with my signature of said account. 

XX/XX/2019 Dispute sent to the Credit Bureaus disputing the account listed on my Credit report. 
XX/XX/2019 dispute results received and the accounts were removed. 

Since the accounts have been Re-inserted without explanation or Validation. 
Please Delete per FCRA XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation
State: CA

Complaint narrative:
On or before XX/XX/2020 I made an inquiry to Owning to refinance our home mortgage. I provided all of the required information to the representative, XXXX XXXX. I told the representative two very crucial factors : 1. My husband has lost his primary employment due to COVID but was woking as pert time adjunct faculty at XXXX XXXX XXXX University, and was still subsequently receiving unemployment benefits. The representative stated that this should not be an issue so long as he was still employed. 

2. My husband and I attended XXXX XXXX  and had federal student loans. Since the cost of law school is so extensive the monthly payment that is reported on our credit report is far beyond what we actually pay. I explained to the representative that we only pay 10 % of our income as we are on a federal income baed student loan repayment program. She said she would communicate this information to the underwriter. This is imperative because in the calculation of our debt to income ratio the representative stated that we were over the threshold of 50 %. Yet our student loan debt reported was in excess of {$1600.00} for my self and my husband in which we pay XXXX and XXXX monthly respectively. 

I asked the representative to communicate this to the underwriters and to let them know that we would provide authenticating payment history of our student loan payments, income based repay-payment plan, and any other supporting documents and I was told to " contact the credit bureaus to fix an inaccuracies ''. 

I can not be the first borrower who is under an income based repayment plan. We have never run into this issue in the past with other lenders. Also, I have never received notification of the denial or the reason for the denial. I only found out this information after i contacted the representative directly. 

The responses that I have received from the representative have been very antagonistic and almost accusatory that this is my issue that I need to resolve. I have never come across a company that was so unwilling to assist in a home refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
Both Experian and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both Experian and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Since XX/XX/2020 I have submitted disputes with XXXX, XXXX, and XXXX  after a review of my credit reports revealed that 12 late payments were being reported on my credit reports under a Navient student loan account during a time in which the account was in forbearance. The results of those disputes was that " Navient verified that the information was being reported correctly ''. This simply isn't true. How can payments be late when the account was in forbearance? This is killing my score and preventing me from purchasing a home by keeping my score in fair range when it should be in very good range.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
approximately around 2018, I started to receive calls from Audit and Adjustments regarding medical bills. I requested an audit of the account, however, it never happened. I requested a payment plan with them and they refused to accept what I could afford at that time. Now they are calling me repeatedly wanting my address so they can have me served by an attorney to my home. Durin COVID-19 this company continues to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My wife and I have been experiencing unforeseen hardships due to the Covid-19 Pandemic. We have 2 credit cards with CitiBank , N.A . who refuse to take our late and missed payments off of our credit bureau. The same company also refuse to work out a fore-bearence plan until we are able to start making regular payments again. Our credit was in the low 700 's before the pandemic started, now it is barely above 500. I have called and spoke with representatives from both companies, citibank for Home Depot consumer credit card and my Home Depot Commercial Revolving account. Both account max balances have also been lowered, so even if I had work, I wouldn't be able to charge materials to my account because all my balances are maxed. Citi bank phone : XXXX XXXX XXXX XXXX, I spoke to XXXX first and then she transferred me to XXXX. Both agents were nice enough but stated that they were not able to report anything other than what the account shows and that I was not available for any more " treatments '' due to the Covid-19. I was told that I had to pay {$1300.00} by XXXX XXXX, 2020, or my account would be forcibly closed and that it would reflect on my credit bureau as well. if you go to this citibank website you can see that there are many people out there with the same problem. https : //blog.citigroup.com/2020/05/working-together-to-fight-hunger-during-covid-19/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: TX

Complaint narrative:
In the attachment it shows that experian said that this account will be removed XX/XX/XXXX, but they have not upheld their word. This account is older than 7 years, and it should not appear. In addition, they charged off the account in XXXX, then they charged off the account again in XX/XX/XXXX. This does not make any sense and I have tried to resolve this but they do not feel I deserve an explanation.

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 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX  Comenity Bank contacted my mother by phone who does not live with me about my debt. 
They also contacted my sister who does not live with me by phone about my debt. They were both upset at how they were able to get there numbers and be harrassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-10-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I CALLED EQUIFAX ON XXXX. THEY HAVE ALL THE INFORMATION THERE BECAUSE THE WOMEN THERE ASK ME IF THE INFORMATION WAS A SOCIAL SECURITY CARD AND A DRIVERS LICENCE I TOLD HER YES THEN SHE REFRAMED FORM ALL OF WHAT SHE HAD SAID AND TOLD ME THAT SHE CAN NOT GET INFORMATION ABOUT WHO I AM AND TOLD ME TO GET THAT IDENTIFICATION THAT SHE ALREADY HAS AND RESEND IT TO EQUIFAX. SHE IS JUST WASTING TIME FOR EQUIFAX DOES NOT WANT TO CHANGE INFORMATION IN DISPUTES OF WHICH MANY TIMES I HAVE SENT THEM. I TIRED OF THE RUNAROUND. I CAN NOT EVEN ACCESS ONLINE EQUIFAX.

Company response to consumer: Closed with explanation