vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
1. I made reservation for stay at XXXX XXXX on XX/XX/2020 for the amount of XXXX USD but I didn't receive my {$300.00} XXXX annual statement credit for XX/XX/XXXX-XX/XX/XXXX. 2. I spoke with customer service in XX/XX/2020 regarding extending the expiration date of my XX/XX/XXXX-XX/XX/XXXXannual {$300.00} XXXX statement credit. The customer service rep asked me to wait a week and assured me that I would receive an update before the credit expires. However, the customer rep did not provide an update, and as a result, I was not accurately notified of an accurate expiration date as a result of negligence on the company 's service. I waited because of the request made by the company. If I knew the credit would expire and that there is no update coming from the company, I would confirm and make sure I would spend the credit before the expiration date. I requested resolution from the company, but didn't receive resolution. Conversation ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
I signed on to the PSLF program and started paying in XX/XX/2009. I have completed all 120 payments, worked for the correct organizations, and was in the right repayment program. I have met all criteria. Yet when I applied I was told I have only made 35 payments of the 120 required. I was told the previous loan managers, XXXX etc did not provide documentation to Fed loan. Yet when I try to recoup the data by requesting documents and asked for an audit I was told no that I can not get my forms and correspondence etc. I was told an audit would take years. I talked with a person unaffiliated with fed loan that had access to my financial aid files and he could see all the documents and stated I mer all the criteria. I have no recourse and this places me in situation where I will have to pay an addition 7 more years or loans despite fulfilling my side of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/2020 titled Annual Escrow Account Disclosure Statement. On this letter, NewRez Mortgage aka Shellpoint Partners LLC, advised that my escrow account was short by {$910.00}. Due to this shortage, my mortgage payment amount would increase from {$1600.00} to {$1800.00}. If I were to pay the shortage amount of {$910.00}, my new mortgage payment would only be {$1700.00} which takes into consideration a possible increase in property taxes. 

I first sent a payment of {$910.00}, specifically notating that it was an escrow shortage payment. Then two days later, I made the agreed upon payment of {$1700.00}. Both payments were accepted, but the {$910.00} payment remains un-applied and the new mortgage payment amount does not reflect the escrow-only payment I made to the account. 

I have called and spoken to several representatives about this matter - initials provided for privacy ( XXXX XXXX, XXXX XXXX and XXXX XXXX and many others ) When I finally spoke to XXXX XXXX he was able to make a note on my account to apply the {$910.00} to the escrow shortage, but the other representatives were completely useless i.e. transferring me to disconnecting numbers, transferring me to fax lines, or just disconnecting the line once they discovered they were not able to assist me. 

The issue has not been resolved to this point, and my account will show delinquent, though it is not. I am going to continue to pay the amount notated in the XX/XX/2020 letter NewRez sent to me, though their online records reflect a different ( incorrect ) mortgage payment amount due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
For years I have been trying to fix the inaccuracies from FedLoan. I have tried disputing, writing the ceo and complaints. I have never been late. However, there are 5 loans that were closed due to consolidation that have one late payment each. This is hurting my score tremendously! Unfortunately, I was recently denied from XXXX XXXX XXXX  due to the 5 late payments. I am in need of these items to be corrected. The late payments that are showing the accounts were in deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collection Service Inc (GA)
State: GA

Complaint narrative:
I have contacted professional collection service as well as the credit bureaus about the validity of this debt. I received a one page lease agreement that clearly shows at the bottom right 8 pages should be attached. I show only 2 payments were ever made so I dont even see a complete billing statement, proof of deposits or anything else. I asked for this information repeatedly as well as if this debt was verified by someone that has the credentials to do so and have not received a response. This is a violation to report inaccurate, unsupported, and unproven information and I would like it removed. I will attached copies of what I was sent and it was not a full lease or a full payment ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX THAT WAS OPEN UP ON XX/XX/2019IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received text messages on XXXX XXXX and XXXX XXXX from Chase Fraud indicating possible fraudulent charges on my Chase Southwest Visa ( XXXX ) at XXXX XXXX for {$210.00} and on my Chase XXXX XXXX XXXX XXXX ) at XXXX online for {$590.00}. Called Chase Fraud Department today, XX/XX/XXXX, and spoke with XXXX ( sp? ). The connection was so poor I could only understand 50 % of what she said. I asked for an alternative communication method, either email or chat, she indicated neither was available. I did not make either of these charges and I believe she verified that but can not confirm. I asked that she terminate both accounts immediately but can not confirm. I believe Chase has had a major data breach of card account information and would ask that you seek verification of this. Companies that hold our financial data need to be held to a very high standard. To not offer alternative means of communication is unbelievable in this current environment. Companies should offer the consumer a communication mechanism that can be documented on the consumer 's end not just the company 's end. Request CFPB verify that I have not been charged with these fraudulent charges and that my accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XXXX XXXX A low mileage short-term lease is treated the same as a high-mileage long-term lease for " excess wear and tear ''. I worked with a representative on XX/XX/2020 for 1 hour and 16 minutes. The rep admitted that the charges for excessive paint chipping on the hood and bumper only a ploy to trick consumers into getting another lease. They offered a waiver for the " excessive damage '' and said that it was applied to my account. I replaced the parts that were broken as listed on inspection. I received a bill for the full amount including the parts that I replaced. I tried to reach out to NMAC. I was told that I had 90 days to pay and that the waiver was in process. One day later I was told there was never any waivers and that I have one week to pay or they will turn me into credit collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2020-05-12 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}

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 explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened a Huntington bank account on XX/XX/XXXX and received a fraud hold when I tried to login to online banking. Huntington has refused to close or downgrade the account over the phone and I can't do it online. Due to COVID-19 I am physically unable to come into a branch location. I've called several times and spoken to multiple representatives and managers - they keep giving me misinformation and telling me they will call back. Please close the account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried multiple times to handle this debt with XXXX XXXX XXXX. Someone stole my identity and have opened up an account in my name. This debt does not belong to me and they have not provided physical proof. They only have sent documents of whoever opened the account in my name and forged a signature that is not mine. I am XXXX and haven't opened this account. I have been going back and forth with them about this for years. If they can't provide physical proof of me opening this account. They need to delete it from my name. Just because they have signed documents doesn't mean that I opened the auto loan in my name. It is not my account and I am not accountable for this account. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report there are many derogatory items that do not belong to me. Please remove these items from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
DUE TO COVID-19, I CALLED CHASE AND SPOKE WITH A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX OR XXXX AND ASKED DUE TO COVID-19 ARE THEY REPORTING TO THE CREDIT BUREAU, IF THE AUTO NOTE OF XXXX IS LATE, DUE TO SPOUSE OUT OF WORK DUE TO COVD-19 AND WAITING ON UNEMPLOYMENT. THIS WAS THE FIRST TIME THE AUTO NOTE HAS BEEN OVER 30 DAYS PASS DUE. I WAS ADVISED THAT NO WE ARE NOT REPORTING ANY LATE PAYMENTS AT THIS TIME, DUE TO COVID-19. SO THE AUTO NOTE FOR XXXX PAYMENT WAS DUE BY XX/XX/XXXX, THE PAYMENT WAS MADE ON XX/XX/XXXX. ON XX/XX/XXXX I RECEIVED A NOTIFICATION FROM XXXX XXXX   THAT I HAVE A LATE PAYMENT THAT WAS POSTED TO MY ACCOUNT. I CALLED CHASE BACK ON XX/XX/XXXX THE REPRESENTATIVE I SPOKE WITH ADVISED ME, FOR US NOT TO REPORT A LATE PAYMENT YOU HAVE TO APPLY FOR A EXT DUE TO COVID-19. I EXPLAINED TO HER THAT THE REPRESENTATIVE I SPOKE WITH, BEFORE HER DIDN'T EXPLAIN THAT I HAVE TO APPLY FOR THE EXT. PAYMENT NOT TO RECEIVE A LATE PAYMENT ON MY CREDIT. SO I WAS TRANSFER TO A SUPERVISOR, WHERE IS WAS TOLD THAT THE CALL FROM XX/XX/XXXX OR XXXX WITH XXXX WILL BE REVIEWED, AND SHE WILL CALL ME BACK, SUPERVISOR CALLED BACK AND STATED THAT COULDN'T HEAR THE CALL. I THAN SENT IN DISPUTE LETTER TO ALL 3 CREDIT BUREAU AND TO CHASE AUTO, I RECEIVED A CALL BACK FROM CHASE, STATING THAT THE LATE CHARGE IS VALID, AND WILL NOT BE REMOVED. I STATED IF YOU CAN'T HEAR THAT CONVERSATION, HOW CAN YOU MAKE THAT CALL. SUPERVISOR THAT SORRY THAT ALL I CAN DO, WELL IF ALL CALLS ARE RECORDED OR MONITORED WHY YOU CAN'T HEAR THAT CALL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: AES/PHEAA
State: TX

Complaint narrative:
Student loans are showing incorrect status. Status was supposed to update to show a positive status per telecon with FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.

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 2020-05-12 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: NC

Complaint narrative:
My XXXX XXXX XXXX  Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX  a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My bank charges me overdraft fees if it goes into the negative for even a second. Every single time, religiously. The most I've got them to reimburse me is {$9.00} out of the {$35.00} fee they charge. 

1 ; Why is the bank enforcing overdraft fees during the COVID epidemic? 
2 ; Why is it whenever my girlfriend 's account ( same bank ) goes into the negative she NEVER gets an overdraft fee?

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 2020-05-12 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: ERC
State: FL

Complaint narrative:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation