vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  / XXXX {$0.00} XXXX -Balance {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my accounts. Sending them the last complaint last time and I have not received any response up to this date. On the other hand, inaccuracies about my accounts are continuously reported on my Credit Report. Therefore, TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here are the concerned accounts that are still reporting on my reports : XXXX  XXXX-Balance {$0.00} XXXXXXXX XXXX XXXX-Balance {$0.00} XXXX-Balance {$2000.00} XXXX XXXXBalance {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase credit card balance transfer : I have been a Chase credit card customer since 2014, and have a history with the Bank of paying the balance in full each month. On XX/XX/XXXX, I initiated a balance transfer for {$410.00} and was changed a balance transfer fee of {$16.00} in order not to be changed interest for the next twelve months on the balance transferred. The first payment was made without an issue. 

Then on XXXX XXXX, I made a purchase of {$23.00}. That month the mobile app was not clear how much to pay in order to avoid interest charges on the purchase, so I made the minimum payment. On XXXX XXXX, I was changed interest@ 24.99 % - more than twice the amount charged on the card that I originally transferred from- on the unpaid balance of the purchase. I complained and Chase reversed the charge. Then next month I paid more than the minimum balance, thinking I was paying for the purchase. 

On XXXX XXXX, I was charged interest, again. Once again I called Chase to complain. This time the representative told me she would reverse the interest charge, and if I pay {$58.00} that will cover my minimum payment on the installment and the purchase amount so that I will no longer be charged interest. I made that payment on XXXX XXXX. 

On XXXX XXXX, I was once again charged interest. I call Chase on XXXX XXXX to request the charge be reversed. The representative told me the system would not allow her to reverse the charge. I requested a manager. The manager told me that other customers find it confusing regarding the amount to pay to avoid incurring interest charges on new purchases. Finally, she reversed the charge and told me I will not incur any more interest charges as long as I do not use the card for new purchases and continue to make minimum payments on time. 

This is resolved for now. I am complaining because the manager stated Chase is aware of the confusing billing but instead of enhancing the billing statement to make it clear the balance that needs to be paid to avoid interest charges on new purchases during the promotional period, the Bank continues to create misleading billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I have been a BMW customer for over XXXX  years with no late or missed payments. I was in the process of leasing my XXXX bmw and each time more expensive. This payment was agreed to be XXXX with the agreed terms that I will return the current lease and all lease end charges for that car will be negated since I am leasing a new 2021 car from them that is more expensive than the one I am returning. They agreed that this deal was fair. I signed the paperwork and I was on my way. 

A few months later I get a statement for {$1000.00} dollars for the car I have returned and was told that I must pay this lease end payment. This was completely incorrect and not the deal that was made with BMW when I signed a new car lease. After multiple back and forth with them they decided to proceed with harassing me to pay this lease end payment. When I asked for paper proof of the statement they sent me a letter ( attached below ) and the amount was for {$680.00} dollars. Once again their financial services account says {$1000.00} and the paper statement from bmw financial services says {$680.00}. They are sending misinformation and providing me different amounts to pay. I am worried about my future and my credit score/report. I have always paid my bills and do pay my bills on time. I have never missed a payment to BMW financial services or any other credit card company. They are trying to XXXX my reputation as a good citizen and paying my bills. Please assist me in removing this from my report. I do not deserve this as a customer and as a citizen of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Today XX/XX/21 upon checking credit, i see a new collections on my profile from SPRING OAKS CAPITAL LLC for XXXX XXXX XXXX. Which i never had before nor inquired about. Already made a complaint with XXXX. Tried calling them & they wont answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: LEXISNEXIS
State: CA

Complaint narrative:
I sent a follow up on a previous dispute for a dismissed bankruptcy thats was part of a fraudulent dispute with XXXX. 
LexisNexis had removed the Bankruptcy from my credit file XX/XX/XXXX case number XXXX. LexisNexis sent me paperwork showing the Bankruptcy was removed from their data base. I sent that letter to XXXX showing they had deleted and removed it. 
According to XXXX after receiving the letter I mailed to them certified showing the deletion. They did a re-investigation and sent me back the results. Saying they certified that LexisNexis is still reporting the Bankruptcy exist. 
So I called LexisNexis on XX/XX/XXXX and the representative at LexisNexis pulled up my file and emphatically said there nothing in the file showing a Bankruptcy in their data base. 
Under The FCRA stated on LexisNexis paperwork they sent to me XX/XX/XXXX case XXXX. It states you have the right to : REQUEST THAT LEXISNEXIS FURNISH NOTIFICATION OF THE DELETION OF DISPUTED INFORMATION OR A DISPUTE STATEMENT TO ANY PERSON SPECIFICALLY DESIGNATED BY YOU WHI HAS RECEIVED A LEXISNEXIS CONSUMER REPORT FOR EMPLOYMENT PURPOSES WITHIN THE PAST TWO YESRS, OR RECEIVED A LEXISNEXIS CONSUMER REPORT FOR ANY ORHER PURPOSE IN THE PAST XXXX MONTHS. 

So I sent LexisNexis a letter asking them to furnish XXXX notification that the bankruptcy was deleted and removed from their data based along with any other company that has requested a report or verification of this deleted Bankruptcy. 
The rep told me they dont do that. They have no way of sending a report to anyone showing it was removed. This is a violation under the Fair Credit Reporting Act. They are not honoring their own policy regarding what they state on there paperwork. Which I highlighted clear as day on the paperwork they sent me. 
XXXX and LexisNexis are breaking the law, and are violating my rights. 

I am enclosing the letter I sent to LexisNexis requesting they inform XXXX and any other company requesting my information of the deletion. Also the letter they sent me saying the Bankruptcy was dismissed. 

I will also be filing a complaint with the FTC and the Attorney General Office and the XXXX. Letting them know that LexisNexis and XXXX are not following there own policy under the FCRA. 

Last but not least I was on the phone with experian on XX/XX/XXXX for XXXX  minutes with the fraud department. Their representative told me even though they had the letter I sent them from LexisNexis stating the bankruptcy was removed. They were not honoring it. After another re-investigation, they certified that they have verified with LexisNexis that it still exist in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I previously had my son XXXX XXXX as an authorized user on my Citibank card account ending in XXXX XX/XX/XXXX. Shortly thereafter, i called Citibank card services and cancelled my authorized user, and have never added an authorized user again. This card has not been used since then. On XX/XX/XXXX, this card was stolen and fraudulently used in XXXX XXXX XXXX, for money transfers, cash advances and purchases not made by me nor my son. Apparently whoever stole my son 's wallet, backpack and laptop computer used this card fraudulently. The credit card should have been denied since the authorized user had been cancelled in XXXX, however, for reasons unknown, they accepted this card fraudulent use. I called Citibank and reported the card stolen and fraudulently used. Citibank cancelled this card ending in XXXX and informed me I'm not responsible for the unauthorized fraudulent use. They issued me a new card ending in XXXX. Now, Citibank is charging both of these cards fraudulent charges which include cash advance fees, and interest for about $ XXXXCitibank is trying to get to pay these fraudulent charges twice since they're billing both accounts this same amount, and it keeps getting higher as they add more charges. Citibank added a {$26.00} cash advance fee on XX/XX/XXXX, almost a month after the cash advance was reported as fraud. Please, help me with this dispute. I can provide police reports to the fact that this card was stolen. The casinos should have camera surveillance as to who used that card fraudulently, proving my son and I are telling the truth that we did not use this card in 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 monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Navient will not stop calling unlisted relatives at their homes or jobs looking for me. I have made numerous requests for them to stop doing this, but my wife just got a call at her job about 5 minutes ago. I made another formal request to Navient this past week and here they are still making robo calls. 

Something has to be done. They are blatantly violating laws XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ive tried settling my loan, they refuse, I ask for a repayment play and they say my loan doesnt qualify. They tell me my account is in good standing so they can only assist if I default, so I default then they say my specific type of loan is ineligible. I borrowed XXXX, payed over XXXX back and I somehow owe $ XXXX after 10 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$1200.00} Charge Off XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
To whom this may concern, I want to submit a complaint against Bank of America. I was totally mislead with the Forbearance due to Covid 19. In XX/XX/XXXX I was laid off due to the closing of my work. I immediately contacted Bank of America about my monthly house payment. I was told to go online and apply for a forbearance which I did. Before I did, I asked Bank of America many questions about this process, I was told not to worry, I would not lose my house, things would be worked out at the end and there were three options which they went over with me.

Option one, Pay off the balance owed at time of ending the forbearance. 
Option 2, Put the balanced owed on the end of the loan.

Option 3, Set up a payment plan to pay off money owed.

After three months of not getting called back to my job I applied for three more months which I went over the details again with Bank of America and was told not to worry. I continued this process for the 18 months as, I was never called back to work. I have just gotten a job in XX/XX/XXXX. The forbearance ended XX/XX/XXXX. I was contacted by Bank of America, and I started the process of a loan modification. After months of sending in paperwork after paperwork after paperwork. I was contacted weekly, and I also contacted them to keep up with the process. Every time Bank of America needed more information it was sent in that day or the very next morning. I was contacted Wednesday, XX/XX/XXXX and told that the loan modification will not go through, and I now have three options to go into : Foreclosure, a short sale or a deed in lieu. I have been totally sick to my stomach over this, as I dont want to lose my house and I was told every three months on the phone having to do another forbearance I would not lose my home and things would be worked out. 
I have been totally misled. I feel like I have been taken advantage of and they want my home. Not caring at all about working this out with me keeping my home. I hope and pray that someone can help me as I dont want to be homeless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am begging and pleading for some help. 
Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These companies / credit bureaus and banks are reporting fraudulent inquiries, transactions and inaccurately debt which has left me with a disability  to obtain lines ( s ) credit ( s ).

The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. XXXX XXXX : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX OF XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
I sent a large amount of USDT to Coinbase from the XXXX exchange. 
The money did not come because the network is not supported by Coinbase. 
This money is in Coinbase XXXX and they can return it, but they are not willing to do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX  XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$430.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$1200.00} Charge Off XXXX  XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}

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