vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I file multiple complaint to Bank of America To removed my email From their system I file a complaint on XX/XX/2021 I was told my email was removed And I would not be getting any more email from Bank of America Because I was harassed by 3 employee XXXX and XXXX and XXXX who Harassed me Multiple times and was told to removed my email On XX/XX/2021 I received an e-mail from Bank of America I would like to know where I can press charges Against Bank of America For continued to used my Email to harass 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 non-monetary relief
Consumer complaint received 2021-01-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My sister and I booked a trip through XXXX ( itinerary number XXXX ) on XX/XX/2021. The total amount charged was {$4200.00}. I cancelled the trip on XX/XX/XXXX and was informed that my credit card would be refunded {$3600.00}. I received email correspondence from the XXXX representative showing this amount that would be refunded after cancelled itinerary. However, only {$2400.00} which was for the hotel was refunded. I disputed the amount of {$1800.00} with Chase United Credit Card. My credit card company initially refunded but then rebilled the amount stating the charges were valid. I contacted customer service at Chase United Credit Card and was informed that XXXX issued me a credit in the amount of {$1800.00} and that disclosures and terms of service were sent to me. I filed another dispute requesting my credit card company to reopen the case and provided documentation that contradicts the merchant response. Chase Credit Card did not investigate further nor did they even look at the correspondence provided. They simple rebilled the {$1800.00} and I have nothing to show for it. XXXX doesn't have a XXXX credit for travel although their response to Chase Credit Card was I did. On XXXX 's booking confirmation it says " We do not charge a cancel or change fee '' so I'm confused as to the information Chase Credit Card received from them to validate the disputed amount. I am not in a financial position to just walk away from {$1800.00} without anything to show for it whether it be my refund or travel credit. XXXX has tied up my funds with promises from one their representatives of refunding but my credit card company has done the most damage by not properly investigating the matter after email correspondence was given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I do not now nor have I ever had a contract with Midland Funding and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
On XX/XX/2020 Navient tells me that my loans are not eligible for being halted. They say that since the loan is owned by Navient that it is not eligible for the new federal suspension of payments. 

My loan was originally a Federal Loan when acquired for University of Wisconsin. Then along the way a few years after college was behind me, my loans were sold to Navient. 

Navient now tells me Im not eligible for the federal protection even though my loans are still technically a federal loans, only not eligible because Navient owns them as a third party. 

The worst part of this all is. Im a healthcare worker literally in an ED on the front lines at a hospital in XXXX. I havent gotten a break or weeks off during COVID. Ive been working with patients. Navient has found a loophole to not follow the executive order and they are exploiting me and others. 

I was even a class member of a class action lawsuit against Navient and the outcome was increased oversight. Now Im being told Im not eligible for federal protections. All roads lead to nowhere with Navient. 

Ive been laying this loan for 20 years and still owe {$13000.00}. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX  credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX INQUIRY ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION

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 2021-01-30 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:
on XX/XX/2020 I sent a letter to all three bureaus reguarding inaccurate items on my credit report.To this day 60 days later I have not received a response yet. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 45-60 days gives a reason to immediately remove those items from 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 2021-01-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3500.00}, {$810.00}, {$0.00}, {$660.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- STUDENT LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- PERSONAL LOAN 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2021-01-30 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Nelnet representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, that any subsequently initiated deferments would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 and this company failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
I contacted Citizens One Home Loans and spoke with a woman with the initials XXXX, on or around XX/XX/XXXX and requested the removal of my PMI. I received a letter dated XX/XX/XXXX the letter contained instructions on how to authorize and remove the PMI on my conventional mortgage loan. One of the requirements listed within the letter was ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I spoke with XXXX  again on XX/XX/XXXX, I asked her If my loan is currently suspended/forbearance will it affect the outcome of my request? She assured me, being on a suspension/forbearance puts my account on hold, the payments are not past due and will not be an issue as long as the BPO comes back at {$230000.00} or higher. Having been given this information, I mailed a written request along with check number XXXX in the amount of {$100.00} to Citizens One Home Loans. Check number XXXX was cashed on XX/XX/XXXX. I was contacted by real estate broker XXXX XXXX on XX/XX/XXXX, the inspection of my property was conducted on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating We have determined that the requirement ( s ) for cancellation have not been met due to the below marked item ( s ). reason being The requirements are ; you must be current on your monthly mortgage payments, no payment have been 30 days or more past due within 12 months, no payment have been 60 days or more past due within 13-24 months of the date we receive your request, the principal balance must meet or be reduced to 80 % of the original value. I contacted Citizens One Home Loans on XX/XX/XXXX, and confirmed the deferral of payments, and also made the XXXX payment, I also requested to speak with XXXX. I was told a request had been sent to her, and she will get back to me within 24-48 hours. I never receive a return call. I left a message for XXXX XXXX in the Office of the Chairman on XX/XX/XXXX, her voice mail informs callers a call will be returned within 24-48 hours, I never received a return call from her. 
Per XXXX XXXX COVID Ref Guide ref pg 15 Borrower-Requested Cancellation of Borrower-Paid Mortgage Insurance, Mortgages restored to current status under the COVID-19 payment Deferral, the borrower must make 3 consecutive payments following the settlement of the COVID19 Payment Deferral to meet this qualification requirement.

I called Citizens One Home loans today and was told the BPO will only be good for 90 days and will expire before my qualifications have been met. I did request a refund today and was on hold for almost an hour, with nothing resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: SC

Complaint narrative:
AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.	

AS STATED IN THE FCRA, YOU ARE REQUIRED TO RESPOND TO MY DISPUTE WITHIN 30 DAYS. IF YOU FAIL TO OFFER A RESPONSE, ALL DISPUTED INFORMATION MUST BE DELETED. ALL RELEVANT DOCUMENTATION IS ATTACHED FOR REVIEW. I THANK YOU IN ADVANCE FOR YOUR PROMPT RESPONSE AND RESOLUTION OF THIS ISSUE.

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 2021-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Old loan was sold to Navient. Navient sent bill to old address, and I was never notified other than a letter to an old address. Credit Score dropped because they never called, only sent a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation
State: IL

Complaint narrative:
XXXX I had autopayment setup some how I kept occurring late payments from my account I would XXXX dollars a month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX also it was incorrect information on credit report as well. Avant- credit card same problem late fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: GA

Complaint narrative:
I'm reaching out again to you all about several accounts and things on my credit that is not mine. I'm still not able to do anything because of those accounts. Since I didnt get much help from the companies I went and spoke with my brother who is an attorney. I do not have any relationships with these companies and was advised to contact FTC. Please remove these fraud accounts from my credit immediately. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are also several Bankruptcies on my credit so I called the XXXX  Dist of Bankruptcy Court and they stated they do not have any data on my social security number regarding any Bankruptcy Petitions or Filings. The lady at the clerk office told me to call some company called XXXX XXXX to double check and they said the same thing. No records. The bankruptcies are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I really want to know how in the world did all these bankrupcies end up on my credit. They are showing on XXXX  and XXXX  but not equifax so how is this even possible. How is this even possible? I need answers? Its already and pandemic going on and this is not helping me mentally, physically and emotionally. I am doing this on my own behalf for now but if need I will get my brother who is a lawyer in XXXX. He advised me to reach out to you all first. There are also some addresses on my report that is not mine XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: OH

Complaint narrative:
Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and Equifax. This is against FCRA to alter the charge off date from the original charge off date over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: NY

Complaint narrative:
I've sent multiple letters to XXXX, XXXX  and Transunion, since XX/XX/2020 about this collection account on my report. I have not received a response and the account has not been deleted from my credit report. I believe a failure to investigate inaccurate items on my credit report allow for them to be immediately removed. Please assist me in this matter so that i do not have to file for litigation.

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 2021-01-30 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Although I am not to be on the paperwork for this loan at all, JPMC AUTO  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.

Company response to consumer: Closed with explanation