vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
My vehicle is leased through U.S. bank. It was involved in a hail storm and was damaged. I sent the insurance check to U.S. bank over a month ago and it has still not been sent to my bodyshop to cover the repairs. Everytime I call I get a different story. First they told me the check was sent back to me and I should receive it in 7-10 business days. After I didn't get the check I called back and they told me they sent it out on XXXX to my body shop. When I contacted my bodyshop, they said they had not gotten the check. When I called the 3rd time they told me they still had the check and needed a repair order that matched the ammount of the check. I asked if they could contact my bodyshop, they said no. I told them I would have my body shop contact them, they said that would not work either. They said I had to " FAX '' the invoice to them, I asked if I could email it to them and I was told that was not an option. I faxed the invoice to them on XXXX and included my account # ( XXXX ) so that they could notate the account and release the check. I contacted them today XXXX and they said the account doesn't show anything about receiving the fax. I was told they would look into it and contact me within XXXX. This has been dragging on for over a month and I need it taken care of. I don't see myself EVER leasing another vehicle, or doing ANY kind of business with U.S. Bank in the future. It's not like I'm trying to get them to send ME the check, I just want the bodyshop to be paid so I can pick up my truck. Attached is the fax confomation that was sent on XXXX to U.S. Bank

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 2020-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX, I lost my job ( and only source of income ) for the third time in eight years. I had worked as a XXXX XXXX for six years and at a XXXX  ( XXXX  ) ( XXXX  )  XXXX  for five years between XXXX of XXXX and XXXX of XXXX. I had faithfully made payments for over ten years and was denied any student loan forgiveness. In fact, they initially REFUSED to allow me to even apply for it. I tried to file for a hardship forbearance and was denied. They claimed I didn't qualify. By winter XXXX, I was unable to continue making payments and stopped paying my monthly payment. In XX/XX/XXXX, I filed for bankruptcy and included them in the notification. I contacted them again to try and reduce my payments and they again refused. I was threatened that if I failed to make my payments, they would sue me and " take everything I have ''. In XXXX, I began making payments again and caught up on the payments I had missed by XXXX or XXXX of XXXX. I continued making my regular payments until XX/XX/XXXX after the CARES Act was passed. I made the XXXX payment and the day after my account showed zero interest, no payment being due, and that it was in forbearance. In XX/XX/XXXX, I began receiving calls, emails and bills from XXXX. Both the calls and the emails were flagged as a scam by the service carrier. In late XXXX, I noticed that my account still showed no payment was due but no longer showed it was in forbearance. I called to find out what had happened and was informed that my account was in default and that they have not received payments from me since XXXX XXXX.I asked them to check again because my last payment was in XXXX and they grudgingly admitted that they had received payments. However, as a " consequence '' of filing bankruptcy, my account was listed as in default. At no point did my account reflect that it was in default. I haven't received ANY notifications by mail or on their portal about being in default OR that they had sold my account to thugs licensed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX Spoke with Navient about the paperwork for a economic hardship forebearance. They told me that I do not qualify- even though I make a 1/3 of what I was making last year at this time and make less than {$2000.00} a month. They also told me that they do not figure in living expenses or other expenses when refinancing or lowering payments. Just what you make. I make too much to qualify for this this type of deferment ( according to them ) and might be able to get a 30 Day Disaster Forbearance in XXXX. I am unable, at this time, to work 40 hours a week and pay this loan ( I make {$31000.00} a year vs what I made last year : {$72000.00}. 
I am unsure of their qualifications for Economic Hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I cancelled BoA Visa in 2019. Recently received a bill with late payment warning for an automatic charge made by my XXXX account and an additional annual fee. The Visa customer service agent told me that because XXXX billed them for the automatic fee even after the account was closed, they still paid it and that triggered the annual fee and XXXX charge. The customer service agent also told me that even if I closed the account ( again ) and something was charged to it, the account would pay it and become active again.

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 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. Yes, you may have investigated it but you did not investigate it properly you also do not get to keep restarting the clock 60 day and 60 days and 60 days. You have the original 45 days and once I sent that mov 15 days from then. You all have done this since XXXX. You received my certified mail on XX/XX/XXXX, again on XX/XX/XXXX. You could not produce a ( wet signature ) signed contract for these accounts proving they are mine furthermore I have documentation from these companies showing I have no business, debt with them. What you are reporting is not MINE. 
The following account does not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Sincerely, 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 2020-08-20 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have spoken with XXXX XXXX/comedity bank and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit  reporting agency letters every month since XX/XX/2020 to update my balance on my XXXX XXXX   account but still has not been updated since XX/XX/2020. The balance is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
After opening an account, I was charged a {$25.00} fee for 'delux check ' that I did not order nor did I know I would be charged for. In resolving this, the bank says it will take up to 10 business days to investigate, and that I should fund the account in order to avoid an overdraft fee. That fee would be on the account of an overdraft due to a problem they have created. 

Not only was I not told during account opening about this, there was no notification afterwards that I was charged. 

If I had not been checking in on my account for some other reason, I would've been ( a ) charged for a service I do not want and ( b ) charged for overdraft.

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 2020-08-20 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I applied for a car loan XX/XX/XXXX and was informed Chase Mortgage had reported 60+ days past due on my credit. I immediately called Chase as this is simply not true. Our payment is auto-drafted and we have never been late for a payment. We had a change in payment for the month of XX/XX/XXXX. We have our payment drafted from a company who makes the payment, as well as, an extra payment per month. {$880.00} was our regular payment and the incorrect payment about was submitted for XXXX due to the fact that the company could not process my request in time to reflect the change in payment amount. Therefore, a partial payment was made and the mortgage company would not accept it as it was not a full payment. In efforts to correct this, I called in to take care of the difference as soon as I got my statement and was told my loan was being transferred to XXXX and to send the difference in payment to them because they would be forwarding those funds over. I did call XX/XX/XXXX but I had just received the bill that showed XXXX 's payment wasn't paid. Now, two years later, without being told my credit was reported for the incident, here we are. Chase refuses to help because they say " technically '' the payment wasn't made and we were passed due even though money was received in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We were selling our home and needed a closing statement for our Home Equity line of credit of {$250000.00} from Bank of America. The closing was XX/XX/2020. I called Bank Of America on XX/XX/XXXX requesting the closing statement be sent to my Attorney. There was a XXXX  balance on the account and I was told the statement would be received on XX/XX/XXXX. My Attorney did not receive the Closing Statement. When I called Bank of America on XX/XX/XXXX, I was told by Supervisor XXXX there was a {$620.00} early closing fee that needed to be paid before the a the account could be closed. We transferred {$620.00} to the account that day. Again my Attorney did not receive the Closing Statement. To complete the sale of our home and the Title Company had {$250000.00} held in escrow until a Closing Statement was issued. 
I again called Bank of America on XX/XX/XXXX about this matter and spoke with XXXX XXXX and later with Supervisor XXXX. XXXX told me the delays were due to a " System Conversion ''  and we would receive the Closing Statement on XX/XX/XXXX. As of XXXX XXXX on XX/XX/XXXX this account has not been closed and my Attorney has not received the Closing Statement. We were given a Reference Number XXXX when we last called.

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 2020-08-20 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:
I am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent

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 2020-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE showed up as 3 inaccurate collections on my credit report for the amount of {$2000.00}, {$260.00} and {$150.00} all from the same original creditor ( XXXX XXXX ) and same alleged hospital visit. I initially disputed collections online via XXXX. Results listed below and attached. 

Online dispute submitted for {$2000.00} on : XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

Online dispute submitted for {$150.00} on : XXXX found to be inaccurate and deleted. 



Considering that the collection of {$150.00} was found inaccurate and removed, the remaining 2 collections for {$2000.00} and {$260.00} should have been removed as well but were not.

I have mailed numerous letters via USPS requesting validation of debt via adequate proof that it was me and not someone using my name or misfiled. As of XX/XX/XXXX, I began mailing them as certified mail in efforts to have these inaccurate collections removed. Another request sent in XX/XX/XXXX as well as XX/XX/XXXX. The responses received were irrelevant info such as a letter stating " account balance is accurate '' and other things failing to meet my request of the following : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verification or copy of any judgment if applicable -Identify the original creditor -Prove the Statute of Limitations has not expired on this account -Show me the you are licensed to collect in my state -Provide me with your license numbers and Registered Agent or Agent of Service Receipt of certified mail is attached. 

Last 3 letters sent via certified mail : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CA

Complaint narrative:
i have filed dispute letters with transunion and XXXX  back in XX/XX/2020 and yet to received anything on my disputes. I understand covid is going on but that shouldnt stop my results from coming 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 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Start back in XXXX of 2019. I written Four letters to send out to sprint to verify the debt. The 30th day from the last letter that was sent another letters gets sent out. XXXX sent letters stating the debt was intact mines but never sent proof far as the original documentation. This debt was in the amount of XXXX dollars.this debt remains in my credit report and XXXX still has not removed it.

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 2020-08-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
My wife and I had lease an apartment on XX/XX/XXXX, and did not renew the lease XXXX, the property manager was not taking care of the units with COVID19 as for safety and health concerns we decide not to renew the lease and the property manager got really upset with us as they where losing tenants by the day. In late XXXX we received a letter stating we owed more that {$2300.00} and I have many times disputed this with the area manger as with the property manager and either I will get the runarounds that they will fix it or they will call me later and never have they made any attempt to fix the billing. I had paid in advance one full year of rental insurance and submitted this to them many times and they have been charging us since XX/XX/XXXX every month, also they have refused to send me an Itemized statement of the billing for utilities charging our account more than what the city was charging. Theres also 2 charges on the account that I have bank statements that where paid off and where still getting charged for them. They also charged XXXX rent when we moved out at the end of XXXX as we did not renew our lease. They are asking for fraudulent charges and I have submitted this to them many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
J.P Morgan Chase has withdrawn and is currently holding money from 4 bank  accounts. On XX/XX/2020, all of the accounts were froze and then subsequently closed XX/XX/2020 without any written notice or explanation of this. ( Checking Account, Joint Checking, Savings account, and my adult daughters custodial account ) We have called many times and visited local branches, but there has been no clear explanation. 


We have called Chase customer service, who directed me to Chase Loss Prevention ( XXXX ) many times, with no resolution. Eventually, my case was given to the executive office and assigned a Tracking # XXXX assigned to XXXX XXXX XXXX XXXX. 

From the clues that I have evaluated from my Chase interactions, it started with a deposit from Virginia un-employment deposit on XX/XX/2020 in the amount of {$12000.00}. 

Chase will not give explanation in writing. I was told Chase wanted proof that I was the person the meant to receive the deposit. I sent them a letter from VA UI department that verifies my approval of benefit. Now they are asking for verified endorsement of funds from VA UI department. Unfortunately, I am unable to reach anyone in VA UI. This action from Chase has caused real hardship in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are violating my rights you do not get to keep taking 60 days to investigate incorrectly 2-3 times in a year. You don't get to accuse me of using credit repair when I am not. The court clearly confirmed the info you have is inaccurate so there is no way you could have verified it as accurate.

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 2020-08-20 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: NY

Complaint narrative:
I am a victim of 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