vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I got a new credit card from Chase with Marriott XXXX XXXX that promised XXXX points if {$5000.00} were placed on the card within the first 3 months. Due to COVID-19, and having to cancel all my trips and plane tickets, I called Chase company and the customer service person said that I was a couple of hundred $ 's short, but not to worry since Chase has extended the period by another 3 months to meet the {$5000.00} limit. I am sure they recorded this call.

So, I did that. In fact I put {$10000.00} in purchases in the card. I called them today to ask why there are no points added to the card yet after so many months, and they said they applied for the extension, but it was rejected. So no points and there is no chance of ever getting those points. 
What?? On the phone they said everyone gets the extension, there was no talk about waiting for approval. I feel cheated. If I knew I would have thrown this card in a drawer and use my other ones. Any advice what to do next? The person on the phone said there is no one else she can transfer me to to complain. It is a done deal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX  & Equifax are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian & XXXX  are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!

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 2020-11-04 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: FL

Complaint narrative:
someone is using my personal information this Account does not belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX I turned in my XXXX XXXX XXXX leased from XXXX XXXX prior to my lease termination date of XX/XX/XXXX. The vehicle was clean, free of damages and was serviced according to my lease agreement. My mileage at the end of the lease agreement was XXXX miles. I contacted XXXX XXXX about my end of lease options and was informed I would receive this in the mail. Upon my receipt of the billing I called XXXX about forgiveness of the end of lease fees since I turned the vehicle in early and they said they couldnt don anything about the end of lease cost even though they got the vehicle back early and I paid the final XXXX payment due on the vehicle. I even inquired after the pandemic struck the USA would they work with me to forgive the end of lease fee they refused. It appears at the end of XXXX they offered me to pay a lesser amount than the original {$400.00} they requested after I asked again to be forgiven the end of lease fees. I had been having some financial struggles and also dealing with XXXX  for XXXX XXXX and subsequently XXXX  XXXX to my XXXX XXXX. I felt that XXXX was not fair in their dealings with my request especially when they got the vehicle 30 days early and I paid the last month lease agreement of {$510.00}. Subsequently they sent my end of lease payment to XXXX a collections agency for the {$400.00} end of lease fees and reported a charge off to the credit bureaus saying I refused to pay the end of lease fees which was not factual as I had been in contact with them as agreed in my prior communications up until XXXX when I went to NY to deal with my XXXX  in my XXXX  resulting in XXXX. Now that Im home I contacted XXXX  asking them why they reported a charge of to the credit bureaus damaging my credit unfairly when I had communicated with them throughout XX/XX/XXXX to XX/XX/XXXX. I also paid XXXX the credit collection agency {$300.00} based on an agreement around XX/XX/XXXX. I only found out about the charge off because I was now able to purchase a vehicle after getting out of debt since the pandemic and did not repurchase from XXXX because of XXXX  poor customer service with my end of lease treatment.upon further reviewing their site I found this on their website dealing with end of lease options. Furthermore All my payments to XXXX were never delinquent that required my being reported to the credit bureau so why would I mess my credit at this juncture. Please see attached documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-11-04 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: FL

Complaint narrative:
someone is using my personal information this Account does not belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
someone is using my personal information this Account does not belongs to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Upon reviewing my account Im noticed that this account is still reporting. Letter requesting validation was originally sent XX/XX/2020. It appears that on XX/XX/2020 Advanced collection Bureau add a derogatory mark on my credit report per XXXX XXXX Upon, further research this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not Validate this collection. Also, there is no written form of communication, contract or signature this this accused debt at all. A Bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, ADVANCED COLLECTION BUREAU has violated my rights as a consumer and Im request legal action to remove this account immediately. IVE ATTACHED A COPY OF CERTIFIED RECEIPT ALONG WITH LETTER RECEIEVED BY DEBT COLLECTOR FOR RECORD PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
Good afternoon, I own several rental properties and I decided to go into forbearance on 4 loans with AimLoan.com. This was for XXXX, XXXX and XX/XX/2020. I called the company in early XXXX to let them know I would like to end forbearance and have the payments deferred to the end of mortgage period. The company agreed. I did receive one payment deferral agreement about a month later. I have been waiting for 4 months for them to provide the agreements on the other three loans. I have paid all 4 mortgage payments ( current ) for XXXX, XXXX, XXXX and XXXX. I contacted XX/XX/XXXX about a month ago to help. They have been in contact with Aimloan.com but I have not received any agreements as of today XXXX XX/XX/XXXX ). My credit has been affected as it still shows me in forbearance. I am not able to refinance or purchase any property. I have personally called at least 6 or 7 times and I have asked politely to move the process forward, but I get alot of double talk. In addition to all this, Aimloan.com initially placed a 90 day late on my credit report which according to the Cares Act, they should not have done. This affected my credit and caused significant problems. They did eventually fix this, but have not performed on the 3 payment deferral agreements. Thanks in advance for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Radius Global Solutions LLC
State: MI

Complaint narrative:
I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from Radiusglobal opened up in XXXX for XXXXXXXX XXXX XXXX I also have been trying for over a year for transunion to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I took out a $ XXXX limit store credit with Wayfair.com in XXXX of XXXX, and ordered furniture I would need to furnish my studio. The total came to {$1000.00}. I paid {$500.00} immediately and had planned to make the following {$500.00} payment after in XXXX. I thought the bill looked suspicious, as it never even gave me my full account number. I never received a credit card either. I requested online billing, and my request wasn't honored because I didn't have a card number or a full account number. The paper bills never gave an account number to set up online billing, just the last 4 of my SSN. In almost 2 years now, I have only received 2 paper bills from Wayfair the most recent being on XX/XX/XXXX. 

I had an XXXX  XXXX in XX/XX/XXXX that lead to a XXXX. ( less than 30 days after I took out the store credit. ) I contacted Wayfair as soon as I could to let them know that my payments had been delayed by my 40 day stay in the XXXX  and ongoing XXXX care. Later I contacted them again to let them know that I have been placed on total XXXX XXXX due to my XXXX and ongoing care needs. Well, I received no paper bills or other communications about my balance and figured they'd given me a grace period. Now I have a collections bill for around {$1500.00} on a $ XXXX credit card as if I hadn't paid anything, and they are citing interest and late fees? Almost $ XXXX in interest and late fees is outrageous, and I believe it could be usury. I'd like a full investigation please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX act # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: MI

Complaint narrative:
I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from XXXX opened up in XXXX for XXXX 's XXXX  I also have been trying for over a year for XXXX  to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureaus have yet to provide results to the disputes I have sent multiple times. I have done my research and they are still supposed to be providing results even though there is a pandemic. We are all going through it and I need some erroneous items removed from my report as they are not mine. I have yet to receive any mail or correspondence from them and I know the credit bureaus are required to respond to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: NC

Complaint narrative:
I have attempted numerous calls with the credit bureaus in attempt to remove collection accounts which were a result of identity theft. I have submitted my identity theft report from the FTC about 8 times in the last two days. Each time I call they advise that they have not received, but on the website, it advises that information uploaded will be received the same business day. I have requested another form of expedited uploading, such as email or fax and they advised that the only way is US mail or upload through the site. They will not remove the collection accounts, despite me advising them I have an FTC report for identity theft.

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 2020-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: TCF NATIONAL BANK
State: PA

Complaint narrative:
I paid off a Home Equity Line of Credit in full in XX/XX/2020 and received the attached paid in full letter dated XX/XX/2020. The company, TCF, has still not recorded the lien as satisfied so I am experiencing delays and am unable to close on a new 1st mortgage with XXXX as a result of this HELOC not being recorded as satisfied. I have asked the company, TCF, to simply provide a copy of the satisfaction documents that they say were sent to the courthouse or to provide a letter confirming that the loan is closed and that the satisfaction process is in process. Either of these would be acceptable to the title company handling my new loan closing but TCF is refusing to provide anything. As a result, I am incurring several XXXX dollars in rate lock extension fees as I have been delayed in closing for over 2 months already with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Schreiber Law LLC
State: CT

Complaint narrative:
Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify Schreiber Law , LLC and affiliates to CEASE & Desist in all communications with me in regards to an alleged debt with XXXX or any other debts you allege I owe. 

Please be advised, that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Connecticut Attorney General 's office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company/firm for violation of the FDCPA. 

The emotional distress, anxiety, and frustration that I am suffering from due to your firms intimidating and constant contact DURING a PANDEMIC is beyond words. 

Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from you or your company/firm may be recorded to be used as evidence for my claims against you. 

Furthermore, I would also like to note herein that not only did I send previous Cease & Desist letters via mail to the Schreiber Law , LLC ( that were ignored ) that I also submitted a previous complaint with the CFPB about this firm. 

On XX/XX/2020 I submitted to the CFPB a complaint about Schreiber Law , LLC and requested that they CEASE & DESIST. Schreiber Law , LLC responded to the CFPB that they could not confirm who submitted the claim. Moreover, stated they would send a response directly to the consumer. In brief, my cease & desist request was ignored again and case was closed. 

In light of this firms response it begs the question. If Schrieber Law LLC, could not confirm who submitted the claim then how is it in their owns words to the CFPB do they respond by stating they will contact me directly?

I will enclose Schrieber Law, LLC 's most recent letter sent to me. I am in the hopes that the CFPB will take note of this deceptive and misleading letter sent.

Company response to consumer: Closed with explanation