vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My lease contract ended on XXXX XXXX. After speaking to the lease return department, I was advised that I could extend my lease for up to 6 months in 2 month increments. I was told that if I do not return the car the car would go on automatic extension and I didn't need to do anything. Sometime in XXXX, I was contacted by GM Financial asking whether I returned the vehicle. I was advised that extensions needed to be approved and that I needed a reason for extending. I explained that due to the pandemic, I am out of work and would not qualify for a new lease leaving me with NO form of transportation. I asked for more time to get employed so that I could secure a new car. I was approved until XXXX and requested another two months. They advised that now I needed to sign documentation. The documentation was emailed to me. I explained multiple times that I do not have access to a printer and would like to have the documentation mailed out instead. On XX/XX/XXXX they finally decided to mail the document to me. Upon receipt I would sign and email them a copy. At that point I could request another extension, and per the representative, my reasoning was valid and she didn't see any reason why I would be denied. Today, XX/XX/XXXX I receive a call saying that I need to return the vehicle and that my request for a new extension would be denied. Every conversation with GM Financial has been such a headache. Different representatives tell me different and inconsistent information. They do not read the notes on file, and continue to berate me for simply requesting an extension, which is allowed and stipulated in my contract. Many families have been affected during this pandemic and I really can not understand GM Financial 's inconsiderate, unrealistic, and unlawful treatment of it's customers. My husband uses the vehicle to get to work. He is the only individual working in our household. The representative was rude and showed no compassion, and even said that because I am not working that is even more reason to return the vehicle, to alleviate financial stress. That is not their concern. It's the only way for my husband to continue working and pay the bills. The vehicle is paid every month and her response was distasteful and disrespectful. I don't understand what changed since my last conversation with GM Financial. I haven't even received the documentation in the mail yet. Supposedly I am not able to request an extension without sending over the signed documentation. And yet they're able to deny my request? I don't understand. They won't put in my request for extension until they receive the documentation but they already know they will deny it. That is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently completed a loan rehabilitation of my Parent Plus loan we took out for our son some years ago. The loan defaulted due to non-payment by our son. We then worked with XXXX XXXX  XXXX to create a rehabilitation plan to bring the loans in good standing. We made the scheduled nine payments of {$1000.00} and the loans were then transferred to XXXX ( new loan servicer ) in good standing. As part of the signed agreement that I provided to the credit reporting agencies, it states on paragraph 10 item C, Department of Education will request that credit reporting agencies remove the record of default on the rehabilitated loans. As of today, the record still remains on my credit report and is prohibiting me from obtaining credit. It is the only blemish on my credit report and needs to be removed based on the agreement we signed with XXXX XXXX  XXXX who represented the Department of Education in this matter. I have contacted the Department of Education, XXXX XXXX  XXXX and Credit Reporting Agencies to get this resolved and nothing has happened as a result. The credit reporting agencies reported that the Department of Education denied our request to have the accounts removed. Please help me get these accounts removed from record as I feel I have done my part to rehabilitate the loans and all I ask is the Department of Education to do what they agreed to do in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: NC

Complaint narrative:
I am writing in regards to a company by the name ASCENDIUM who has been harassing me about monies they say I owe to them. I have never agree to a contract with them. They have stated that I owe them XXXX, XXXX. I have sinced asked them to send me a copy of the contract with their letter head that I signed an agreement with them. Of course they sent me a something with XXXX LETTER head. XXXX stated that the amount owed to them is XXXX. But ASCENDIUM stated the amount owed is XXXX more than navient has stated owed. Again I have never agreed with or signed a contract with ascendium. I don't understand how they can fudge XXXX extra. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to use the card which is managed by a government 3rd party organization called XXXX XXXX to get an XXXX and the charge was denied. When I contacted the financial institution to find out why the agent " XXXX '' told me that the purchase went above the limit and I'd have to contact the managing organization to raise the limit. 
I asked him could I transfer money from it, he said no. I asked him what can I do with the card and he mentioned they have full control. 
I asked him can I cancel the item. He repeated the question to me " Can you cancel it? '' and I said " did I studder? ". 
There was a long silence and after about 10 seconds I said ''just transfer me to your supervisor ''. At the same time I spoke, he spoke, saying " I've cancelled your card and now I'm transferring you ''. 
He immediately transferred me and the hold music started playing. 

When the supervisor " XXXX '' got on the phone I told her what happened and she said there was nothing she could do. Of course naturally after hearing this lack of empathy from her I lost my temper and I started yelling, and rightfully so. 
I never said to cancel the card, and did I studder means exactly that. 
It meant I didn't say anything else other than what was said and it was a simple question -- -- ->>>>>> " Can I cancel the card? ". 
I was simply finding out what I could do with the card. 
I asked question after question after question. This is not a misunderstanding. He did it out of anger and retaliation. 
Also when I hung up on 'XXXX  ' I called back and escalated it to the next chain in command which was 'XXXX ' and XXXX confirmed it's possible it was cancelled out of anger. 
I requested for a call back to find out what happened after they conducted the investigation for transparency. 
Nobody called. 
I've provided proof from my phone logs that I did call them and that the event did take place over my phone.

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 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
A person called up and stated was I purchasing or purchased a computer on XXXX and being sent to Ohio. I stated I dont know anybody in Ohio and no I did not purchase a computer they asked me to go onto my XXXX account and check which I did and then they told me to go onto my online and run a test to make sure and see if it was taken out of my account {$990.00} later I am out I filed a police report and reported it right away to M & t Bank and they say its under investigation I am a new customer there. This is the first time Ive ever done banking online I will never do banking online again. I had not even or ever tried any of the other features on the online banking app at M and T now they have it under investigation and I am not sure if they want to return my money which they should. I am very upset I am out {$990.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a with BANK OF AMERICA customer since XX/XX/XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-10 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is reporting an account due to identity theft. I've included multiple FTC identity theft reports, police reports and verification to XXXX to block this information. My identification was compromised and I have a notarized document from the DMV indicating that my identity was stolen and I'm willing to prosecute. Additionally, I've filed a police report which is included in the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors.

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 2020-12-10 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: NY

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: NY

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2020-12-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Self Financial Inc.
State: AL

Complaint narrative:
Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/21 and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: PA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: NY

Complaint narrative:
I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX. 

The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020. 

My final bill from the utility was paid in full. 
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies. 

I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: MD

Complaint narrative:
Hello, On XX/XX/XXXX my Debit Card information was stolen. In less than 2 hours a team of thieves used my bank card to steal over {$5400.00} from my account with over 90 online transactions. I called and canceled my card immediately and then reported the claim. I spent 1.5 hours on the phone with the claims department going thru each item and saying whether or not it was fraudulent. She said that it was clearly fraud as a transaction was made almost every single minute ( an impossible feat for just one person ). I did not receive any notification from BOA that these charges were happening. I only knew something was wrong when I received a text message with a code that was requested for the card. I called immediately following to tell them I never requested this code. 

After 7+ days of waiting they told me that part of the charges had been refunded and the new claim was for {$1600.00} and also they were denying that remaining portion of the claim. I am incredulous. They said the reason they denied the claim was that when they normally see that level of activity they usually " drain the bank account '' and that some of the merchants they shopped at ( i.e XXXX or XXXX ) have been used before in my account and therefore must be valid. These are common companies where everyone shops! This money may not seem like a lot but I am a single mother and this is my mortgage payment. 

I've been a dedicated BOA customer for 15 years and have never filed a claim before. Now when I need them the most they are trying to XXXX XXXX  over. I called immediately when I saw the charges, not several days later which could indicate buyers remorse. Some of the charges were international and deliveries to parts of the country where I don't live! It is very clearly fraud and for them to deny my claim is sickening. 

I have re-opened the claim and escalated the review but am very concerned at this point since I can not " prove '' that I didn't make these charges other then what I have previously stated. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation