vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 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: Volvo Car Financial Services U.S., LLC
State: PA

Complaint narrative:
I recently traded in my leased XXXX XXXX XXXX early in exchange for a new XXXX XXXX XXXX vehicle for lease. About 1 month after returning the XXXX vehicle, I received an invoice for the amount of {$100.00} for " excessive wear and tear '' for a scratched rim. I contacted Volvo Car Financial Services explaining that I had purchased the premium tire and rim protection plan for this vehicle so that warranty would pay the amount for the rim scratch. I did state that they had no proof of my doing this damage to the car as I turned it in to the dealership upon taking ownership of my new vehicle. Volvo Car Financial Services said to please fax them a copy of the policy, which I did, and they are stating that this warranty does not cover " excessive wear and tear. '' I explained that they should not code this as " excessive wear and tear '' but as a scratched rim. They would not waive the fee, and as a valuable three-time leasee, I feel their customer service is abhorrent and unprofessional. The representative said, after calling me Ma'am several times when I corrected him to say it was " Sir, '' they would turn me into a collection 's agency, and I stated I would contact the XXXX XXXX XXXX XXXX AL as well as the three major credit bureau agencies and state that the car is now out of my possession and am in a new vehicle, responsible for the new vehicle, not the old vehicle. After the XXXX  contacted Volvo Car Financial, Volvo stated they would reduce the amount to {$84.00}. This is unacceptable and completely unnecessary to treat a loyal customer this way. The warranty was paid for and if there is a scratch, the warranty I paid for will cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: AZ

Complaint narrative:
XXXX who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru Experian, whom I pay a monthly membership to help with these things. The dispute has been resolved and XXXX reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to XXXX 's purposeful fraudulent reporting. Experian states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that Experian is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against XXXX and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to XXXX 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that XXXX insists are mine. I have asked XXXX repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX  which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance. 

The above paragraph was from my last complaint. It's still valid. Now I need to my last 3 months of forebearance and fifth third bank has denied it again. I was told it might be possible to get an exception from XXXX XXXX to proceed but I still haven't received any confirmation from fifth third bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX {$370.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX XXXXXXXX Balance {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: DC

Complaint narrative:
I received a promotional offer on XX/XX/2021 to earn {$50.00} for completing a direct deposit into my checking account. 

I completed the terms and conditions of the offer as of XX/XX/2021 ; however, the {$50.00} bonus has not posted to my account. The terms of offer state that the bonus would be posted by XX/XX/2021 ; however, the {$50.00} bonus has not posted as of yet. 

I contacted Credit Karma and XXXX XXXX regarding this matter, but neither firm is responsive and the {$50.00} bonus has not posted to my account. 

I called XXXX XXXX  numerous times on XX/XX/2021 but they refused to speak with me or service the account, and referred me to Credit Karma. 

I spoke with XXXX at Credit Karma on XX/XX/2021 at XXXX and he was unable to assist me other than " escalating '' the case within the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX  XXXX Balance {$910.00XXXX XXXX XXXXXXXX Balance {$840.00} XXXX Inquired on XX/XX/2021 2021

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 2021-12-13 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: DE

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank denied a {$5000.00} claim. Will not help me get my money back from a dead end merchant that I can not get ahold of.

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 2021-12-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I currently have a modification that I've had for a long time.It went up XX/XX/XXXX to $ XXXXThe reason I had a modification in the 1st place was because of the financial hardships I been dealing with since retiring and also having to file bankruptcy I had a major life depending surgery, I had filed bankruptcy in XXXX and it helped but when XX/XX/XXXX arrived and chase gave me a new mortgage of {$880.00} previous mod was {$810.00}. I perceived that along with homeowners dues, hoa insurance, utilities, household bills etc and a XXXX XXXX XXXX car im trying to maintain, expensive medications etc., I felt that if I should get another modification it would help instead of extensions all the time borrowing to pay this bill and that bill. However I called Chase Friday XX/XX/XXXX. and was told by a XXXX XXXX in the relationship department that I didnt qualify for a modification which I wasnt notified about that.So I was given a repayment plan which is for people who havent paid they are late.I never been late on my modification and the repayment plan payment is higher than my current modification.I received paperwork pg.3 of 7 1st paragraph states the repayment plan is a program that allows you to pay back the unpaid amount which I never been late.The amount is {$950.00} more than the {$820.00} my current modification it is scheduled for me to pay XXXX.I dont understand how they came to this conclusion and why would I pay more than what im paying for my current modification.It makes me wonder if they are correct in raising the current modification to the {$880.00} XX/XX/XXXX which I payed XXXX XXXXHow did they come to this conclusion it doesnt make since and no one even spoke to me about it.Why would I want something higher than what I already have.Chase said they would call me today, so far no call.This repayment plan I need an explanation how this makes sense and if they could make a mistake like this.I was told I would pay the {$950.00} a year then go back to my current mortgage of XXXX XXXX.I want them to remove this repayment plan from my account and make it make sense why I dont qualify for another modification.This is a terrible mistake im not happy and will also report this to XXXX XXXX XXXXXXXX XXXX.One of the workers via the telephone said to me excitedly congratulations you been approved, I said what is the new amount she said {$950.00}, its just not acceptable and so far No one from chase has called.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
At the time of two bank accounts being opened and accessible in my legal name I was incarcerated in the XXXX XXXX jail.

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 2021-12-13 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: LA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: DE

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00}

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 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have reached out to ERC and requesting information in which I have yet to receive a response. ERC is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-13 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru XXXX, whom I pay a monthly membership to help with these things. The dispute has been resolved and Navient reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to Navient 's purposeful fraudulent reporting. XXXX states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that XXXX is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against Navient and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to Navient 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that Navient insists are mine. I have asked Navient repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.

Company response to consumer: Closed with explanation