vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I recently spoke to a manager names XXXX regarding my account with Santander for an auto loan. We own a XXXX XXXX XXXX that we have a loan with them through. 

We had fallen significantly behind on our monthly payments due to Covid 19 and a personal family issue. I spoke with an agent to inform her that our goal was to try and begin getting the account caught up. We were prepared to make a payment of {$1600.00} to avoid repossession. 

I also stated that our account had shown as charged off since XX/XX/XXXX, the first time we had significantly financial hardship. Having the account show charged off has impacted our credit substantially. I asked her to update our credit profile once this payment was made as the account is NOT closed as it shows on our credit report. 

She said it was against company policy and that the only way to have it report or updated was to pay of or settle the loan. I requested her to reconsider as we were doing our best to catch up and she declined. I then asked to speak to a supervisor, XXXX. He said the same. Under NO circumstance would they report on time payments going forward and the account would remain in charge off / closed until it was paid off or settled. 

I said that I did not believe it was fair as they are continuing to receive my money and that I have more to risk on my credit report if I fall behind again. He said he was unable to change his mind. I was then alerted that I needed to pay {$2800.00} to keep the car from being repossessed. I asked for the tow truck company information and intended to call then until my wife calmed me down and suggested we just pay the amount. 

So, Friday I paid over {$2800.00} to bring our account current on a loan that shows charged off / closed with a bank that refuses to report it properly to the credit bureaus. 

How can they leave it in that status if they are continuing to accept my money? 
How can they call it closed or charged off if they accept my funds still? 

I would like them to update my report going forward to show the current status and status going forward. 

I do not believe this is fair treatment of me as a customer and do not believe that have a right to refuse to report this while leaving inaccurate information on my report. 

I am formally requesting they update the account to show current and future payments OR they remove this listing from my credit entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX shopping account online hasrequested i show proof that theVisaBank of debit card that i put on my account but comes up in XXXX system as a Bank of America-and XXXX card. Bank of America finally a company has requested proof of my debit card  ending in XXXX being on my sole bank of america account. I CAN NOT send them proof Bank of America because as i have complained since XX/XX/XXXX there was a checkcard scheme attached to my monies. NO WHERE is my debit card ending inXXXX logged by myboa statements since XXXX that i was issued as per summerall boa regulatory respinse thru the cfpb summerall states the XXXX debit card was issued to me in XX/XX/XXXX ON My BOA bank statement as i have been reporting to the FTC the OCC and the usdept of Justice and the cfpb ... .NOT Once is my debit card recorded on my boa statements. if boa checks the digits ' on my debit card as per XXXX it is invalid. XXXX had it asa bank of america and XXXX XXXX XXXX, so there is a BOA wealth management account opened in my name and i am requesting from BOA to reveal the details. ALSO i am requesting proof of the document that states i was issued the debitcard ending in XXXX in XX/XX/XXXX and proof of it being used on my sole account ending XXXX so i can utilize it with XXXX. XXXX thinks it is acredit card so i am also requesting the details and copies of the billing statement with proof of the use of the XXXX card issued bank of america and 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 2020-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
As I was scrolling through my credit report, I noticed that this company placed an false collection account on my credit report causing me not to be approved for certain things during this Covid-19 crisis. This bill is stemming from a medical bill that my Health Insurance carrier has  already paid to Dr , and I have the proof. Also the Dr office or practice isn't in business anymore due to Covid-19 during a Statewide shutdown of Florida.Bill has already been paid via Insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hand multiple mortgage inquiries showing in my credit reports which I did nt authorized.Kindly delete as it is my score XXXX XXXX-multiple 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 2020-06-21 00:00:00
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I was disputing mistakes on credit report due missed payments due to life Financial hardship of losing my mother in XXXX ... I have been making improvements on making on time payments but they refuse to delete my missed payments that went into delinquent payments ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Id like to make a complaint against Chase freedom who cancelled my credit card without any notification, however, there are some of the unrecognized charges which Im not aware of. I have been constantly asked to pay the bills of those unknown charges. I have sent Chase numerous letters but havent received any response. Im not sure if XXXX mails being affected by COVID-19 but Id appreciate if u could provide the following information : 1. Theres a charge of {$370.00} on XX/XX/XXXX. The merchandise is named as XXXX Vacation PKG. i wonder if my credit card was used accidentally since I sometimes use XXXX. But I never book a vacation package. 

2. Another charge of {$140.00} is showing on the date of XX/XX/XXXX. I do remember that I booked a XXXX XXXX ticket to XXXX on XX/XX/XXXX and did completed the travel. But it seems that my credit card was used again by XXXX XXXX. While I contacted the airline to make a complaint, I was told over the phone that I need to contact my bank and dispute the amount. I did try to follow their instructions but, like I said, I never heard from the bank. 

3. A {$5000.00} was charged on XX/XX/XXXX. The merchandise is named as XXXX XXXX XXXX XXXX XXXX. I fail to understand how was my credit card charged and why didnt I receive any email or text message to confirm such a big transaction. 

Id really appreciate if you look into this as Im unable to interact with Chase freedom. Also, instead of removing these charges, Chase Freedom is constantly adding late fee and interest charges on these fraudulent charges. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXX customer service lacks integrity. The company really only understand money. On XX/XX/2018 a phone service was issued in my name by XXXX. Upon noticing the bill over a month later. I called them trying to find out what I supposedly had ordered and tried to shut it down. What I encountered was a ridiculous policy that does not allow customers to access their account if they don't know pertinent information. I did not know the information that XXXX needed besides my social and account number listed on statement. They needed passwords and the numbers off of products they supposedly sent me. I did not have possession of those items therefor I could speak on behalf of that account. I tried again by speaking to someone else and I was told that if I take my identification into the store I could be assisted with the account issue. I visited XXXX XXXX XXXX store in XXXX NJ. I encountered the same issue. I was told that the items sent to me had to be set up and therefore link to my identification, it was some sort of foolishness that didn't make much sense to me. The teal issue was that I did not have time to deal with this because I was working to full time jobs. I had no time to really spare to resolve the issue. Once I had time again I was told by a XXXX representative that I would be sent an identity theft form to take to a law enforcement office nearest me. I absolutely did not have time for this. It was their own policy that did not allow me the due diligence to properly understand why I had a bill summery coming in my name to my address. I wanted to know what identity was used to open an account with them and also where was my signature on a signed document. To this date I have not seen validity or verification from XXXX nor I C Systems Inc. The final bill summery from XXXX had a total charge of {$210.00}. Naturally, after I refused to pay, XXXX   eventually turned the bill into a collector. That collector, I C System Inc. put the negative, erroneous information on both XXXX XXXX and XXXX  credit reports. Yes, I did not answer I C Systems attempts to collect the debt. One reason is their unfair debt collecting practice. I immediately noticed that they were asking me to pay a higher amount then XXXX posed that I owed them. Their collection amount is {$260.00} that you can see in the attachment. In the state of NJ it is illegal to collect any amount greater than the debt. Enclosed you will also see the last billing amount from XXXX but the copy is in bad shape ( please excuse. )

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 2020-06-21 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:
XXXX XXXX keeps putting back a collection charge that was once removed and it is destroying my credit I need to email you my proof that it is completely paid off back in 2018. It shows up on all my credit scores and they dont have an email where you can send the proof it makes me mad that most people do not have fax machines or snail mail and I want this off my record. I have worked very hard to pay off all my debt and is destroying my life My name is XXXX XXXX the charge is for {$880.00} and was completely paid off by XX/XX/2018. I would like to send you copies of the charges paid.

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 2020-06-21 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: PA

Complaint narrative:
XXXX XXXX keeps putting back a collection charge that was once removed and it is destroying my credit I need to email you my proof that it is completely paid off back in 2018. It shows up on all my credit scores and they dont have an email where you can send the proof it makes me mad that most people do not have fax machines or snail mail and I want this off my record. I have worked very hard to pay off all my debt and is destroying my life My name is XXXX XXXX the charge is for {$880.00} and was completely paid off by XX/XX/2018. I would like to send you copies of the charges paid.

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 2020-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Id like to file a complaint against Bank of America who I have been contacting for a long time but Im unable to interact with one decent person. Last time I made a complaint thru CFPB against Bank of America, I did a receive a call from someone who was trying to harass me over the phone. And I also remember when I spoke to the debt collection agency regarding my account, and I was told that theres nothing that I have to pay and I should contact the bank. I contacted the bank again and they werent listening anything. They asked me to contact the debt collection agency. Im sick and tired of this entire situation and I fail to understand why am I being harassed by Bank of America when I have made all the dues/payments and I dont owe them anything. 
Once again Id like to inform u the following charges due to which I have received severe harassment by the Bank of America : 1. An interest charge of {$1.00} on XX/XX/XXXX 2. An interest charge of {$3.00} and {$25.00} late fee on XX/XX/XXXX 3. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 4. An interest charge of {$1.00} and {$25.00} late fee on XX/XX/XXXX 5. An interest charge of {$1.00} XX/XX/XXXX 6. An interest charge of {$4.00} and {$25.00} late fee on XX/XX/XXXX 7. An interest charge of {$5.00} and {$38.00} late fee on XX/XX/XXXX 8. An interest charge of {$6.00} and {$38.00} late fee on XX/XX/XXXX 9. An interest charge of {$4.00} and late fee of {$25.00} on XXXX XXXX 10. An interest charge of {$3.00} and {$25.00} late fee on XXXX XXXX 11. An interest charge of {$4.00} and {$39.00} late fee on XXXX  XXXX 12. An interest charge of {$4.00} and {$39.00} late fee on XXXX XXXX 13. An interest charge of {$5.00} and {$39.00} late fee on XXXX XXXX 14. An interest charge of $ XXXXand {$39.00} late fee on XXXX XXXX  15. An interest charge of {$6.00} and {$39.00} late fee on XXXX XXXX  16. An interest charge of {$7.00} on XX/XX/XXXX A total of {$480.00} is the amount that the bank is asking me to pay. The amount was reversed but now I have been asked to pay.

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 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I used my zelle account through my XXXX XXXX XXXX XXXX app to send my wife {$180.00}. Right as it was approved my account was locked. The money was sent because my wife got a notification telling her I sent her {$180.00}. But when she went to get it there's no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have reached out to Navient on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX  school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, Navient failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to Navient and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. Navient has been paid. Navient should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is against Macys. I bought a few things from Macys on Macys card # ending in XXXX. Later, I returned most of the items but made the payment for the purchases as well. Last payment was made in XX/XX/2019 which cleared the dues. But Macys is constantly charging late fee and interest charges since XX/XX/2019. Id really appreciate if u could help me resolve this case.

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 2020-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Ive disputed this account with the credit bureaus and they will not remove this from my report. The young lady I spoke to was terribly rude. Ive called them several times and I even asked if the had the original company phone number and she rated stated that she didnt have that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC wouldnt transfer funds to my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: GA

Complaint narrative:
CFBP failure to enforce under 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily  harm to date.Experian and its Sr. Gen. Counsel XXXX XXXX failure to respond or redress consumer complaints via by XX/XX/XXXX Complaint # XXXX ; XXXX shown ( CRA ) acting futherance in non-compliance in meeting CFBP deadline on XX/XX/XXXX. The non-answering of complaint with detailed statements and facts the steps have taken to redress my complaint timely. Again ;  Experian and its Sr. Gen. Counsel XXXX XXXX again shown CFBP failed to respond or redress consumer complaints via by XX/XX/XXXX complaint # XXXX ; XXXX ; XXXX. 

Experian Counsel Mr. XXXX sent me via email the ( CRA ) found 2 disclosures that fall during the time period Experian have inaccurately reported the public record. The time period of possible inaccuracy is the date from when it was dismissed, XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. 

Experian admonition having falselyreported the inaccurate or erroneous false judgment as public record on my credit report from time period ; XXXX, through or during XX/XX/XXXX, to the end of the mediation program timeframe, XX/XX/XXXX. Current to date erroneous civil judgment is past 7 year statue, shown since XXXX was falsely opened and shall remain until XXXX is in violation 5 U.S.C. 1681 ; 15 U.S.C. 1681 ( b ), 15 U.S.C. 1681a ( d ) ( 3 ), 15 U.S.C. 1681b ( a ) ; ( g ) and 15 U.S.C. 1681c ( a ) ( 6 ) ; Section1681 ( e ) ( i ) ; 1681 ( g ) ; 1681 ( o ) alternatively Section 1681 ( n ) to date, cause consumer bodily harm to date.

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 2020-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have reached out to XXXX on 2 occasions, XX/XX/2018 and XX/XX/2018. Over the years I have taken several student loans all the way through XXXX school. Each one of the loans showing as an individual account on my credit. Navient ( loan servicer ) failed to disclose my ability to consolidate and my rights to a forbearance or alert me of deadlines. I told them that I couldn't afford the {$2000.00} per month payment and never did they tell me I may qualify of Income Repayment. It wasn't until I reached out to XXXX XXXX that took care of all of this for me. They consodolidated my loans, put me in a forbearance and once that was done, my payment was {$260.00} per month. It is because, XXXX failed me as a lender that because of the alleged 8 payments they claimed I missed, that I have over 160 late payments with them across 20 individually reported accounts. I reached out to XXXX and the credit bureaus, as the loan reporting is very sketchy. Some months they don't have any reporting at all. I have only had success with XXXX. XXXX has been paid. XXXX should take ownership of their terrible lending practices of reaging my account by applying {$1.00}. Payments to borrowers loans so they never age off.

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