vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I traded a XXXX XXXX XXXX into a local dealership in XX/XX/XXXX. The dealership called Chase for the payoff and the lease was paid in full. Over a month after I traded the car, Chase says they sent a letter to me for damages to the vehicle totaling {$970.00}. I was never notified a vehicle inspection was being done. I was not present for any inspection, therefore am unable to validate an inspection actually occurred or who performed the inspection. I was never late on any lease payments. Chase reported me as charged off to the credit bureau in XXXX of XXXX with a balance owed for damages. I called Chase on XX/XX/XXXX, the automated system gave the message my account was paid in full, I spoke with a customer service representative who stated my account was paid and full and she would transfer me to credit bureau disputes because of the charge-off showing. The associate I was transferred to confirmed again my account was paid in full and she would submit the update to the credit bureau. I have been monitoring my XXXX and no updates so I called back today and spoke with XXXX who stated I owed a balance of {$970.00}. This is an unfair and deceptive practice to send a bill for damages without making me aware of the date and time of the inspection to be present. I have traded other leased vehicles in and was notified of the inspection so I could be present. The other issue I have is when I call the automated system and put in my personal information, the recording says my account is paid in full. If Chase shows I owe a balance, why would the automated system give misleading information. Lastly, XXXX did state he would submit a dispute on my behalf for the balance however, given the circumstances and conflicting information I have received, I don't believe Chase will resolve this appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CT

Complaint narrative:
I called XXXX XXXX to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I called XXXX XXXX  to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my 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 non-monetary relief
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XXXX XXXX XXXX ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
There are two separate issues I am having with Flagstar Mortgage. 

First - Loss Mitigation Department : I have applied for a loan modification with this company 4 times within the last year and was approved by them for the modification, then denied after approval, by their error. They have admitted to this, but still are requiring me to resubmit an entirely new modification request. This is absurd and unlawful. Meanwhile, Flagstar will not accept my payment and my past due balance keeps on climbing. In addition, my 2 most current invoices now state I am on the XXXX XXXX Flex Modification, but when I call to discuss this and ask what I need to pay each month, I am told that is an error and I am not actually on the Flex-Mod option. I want to be able to have my payments accepted by Flagstar and receive the modification I was already approved for. 

Second : Loss Draft Department : I am at now 6 weeks of needing my entire roof replaced and no payment disbursed. I now have a hole leaking water and causing mold in my roof and I have submitted two checks right at XXXX to them from my insurance company already. I submitted all paperwork required to be submitted to their loss draft department and have proof of it. By law, they have to either pay for someone to come repair my roof with the insurance money I sent into them or allow me to pay someone. I requested they send the check out in the contractor 's name. Neither of these things has happened and the call I just got off of told me they had no supervisor available, no one to speak with regulating this department to put a complaint in to and for the third time in two and a half weeks I was told I would get a call back within 2-5 business days with a follow up from a manager. Bottom line is that Flagstar Mortgage company is withholding insurance money on a completed loss draft file. I do not have another week to wait for a callback that never happens from a supervisor. Every day, the roof is getting worse due to the leak.

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Purchased airline tickets on XX/XX/XXXX using points and {$230.00} ( on Citi Thank You Rewards CC ). Had to cancel due to Covid and XXXX XXXX XXXX shut down. I submitted a cancellation request XX/XX/XXXX and received a confirmation of the request from Support Travel Rewards on same date which included to re-book by calling the XXXX XXXX. They mentioned that a credit was issued by the airline ( XXXX ) but no credit showed up on my rewards account. I called and spoke to a travel rewards person ( XXXX ) on XX/XX/XXXX and she indicated she " updated '' out airline tickets. I started calling multiple 800 numbers associated with Citi travel rewards cards on XX/XX/XXXX and ending on XX/XX/XXXX. Over that time period i was on hold for over five hours. On XX/XX/XXXX i did get a representative on the call and she said she would stay on the line until someone came on who could help, after waiting half hour they hung up on me. On XX/XX/XXXX i did get a real person who forwarded me a to an automated system ( without asking if this was ok ) and the system asked what my travel dates were and i told it XXXX XXXX- XXXX XXXX and the system said no travel exists for those dates and hung up. The Case Number given to me from Citi is XXXX. All i want is for Citi to post the credit on my account so i can re-book since they do not answer phone calls and if they do the person aswering can not 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 explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints ( 4 complaints total ) were closed without investigations or removals of these items. However, documentation supporting the items remaining on my credit file were not provided. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX , XXXX, submitted a letter for the removal of these incorrect items. No response from Trans Union. A follow-up letter was submitted by Attorney XXXX on XX/XX/XXXX. As of today, Friday, XX/XX/XXXX, Trans Union HAS NOT responded to the follow-up letter either. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Trans Union attached ) Account NumberXXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX XXXX ( 2 prior CFPB complaints filed for Trans Union attached ) Account Number : XXXX Account Opened:XXXX Account Charged Off XXXX XXXX XXXX XXXX ( 2 prior CFPB complaints for Trans Union attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that XXXX remove these 4 incorrect items from my credit file per the FCRA.

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 2021-06-25 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: PA

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On ( XXXX XXXX XXXX ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am not liable for this debt with BK OF AMER plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$55.00}

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 2021-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
From XX/XX/2021 to XX/XX/2021, The company Central Portfolio Control continually contacts me about a debt they say I owe in a phone call. I never received any written notification of the debt or proof of the debt. I disputed the amount and asked for written verification. Every time they call, they tell me they have no record of a dispute and want me to pay the full amount. They call usually 2 sometimes 7 times a day. 
I think it was early XX/XX/2021 Central Portfolio Control ( female ) contacted me via phone about a debt that they say was owed to XXXX XXXX in the amount of {$1400.00} but would not give me details about the bill or dates of service or service provided. I told them that I could not pay something that I did not remember or have knowledge of and that I would require a written copy. I provided my PO Box address and told them that I did not have a mail box at my physical address. I also told them that I disupted the charge unless it proof was received. Another person from that office ( male ) called me that afternoon about the debt and said that he had no record that I disupted the charge and again verified my address. Another person ( female ) from the office called the next morning and said they had no record that I disputed the charge or asked for verification. I also asked for a reduced amount since my XXXX treatment caused memory issues and I can not do the same job as before the XXXX. They would take off about 10 percent but I still said that I disputed the charge until I received proof in the mail. They verified my mailing address again. I have never received any verification in the mail, but that number continues to call 2 to 3 times a day and hangs up after I say hello. Please help me. Aren't they supposed to show proof of the charge if I do not have knowledge of it and also dispute it?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
On XX/XX/XXXX a credit collection company listed a collection account to credit reports and I have not recieved any written communication from said company. Therefore I have not been given the right to a 30 day dispute period that is required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : XXXX Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries XXXX XXXX XXXX XX/XX/2021, XXXX XXXXr XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XX/XX/2021. 

Experian Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.

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 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crossroads Systems Inc.
State: NV

Complaint narrative:
I was approved by SBA way of submission by XXXX on XX/XX/2021 This loan said funded already and is now reporting a XXXX filing on my business credit from SBA however I never received this loan. I have sent a number of e-mails to capital Plus but no response please help me resolve this issue. 
XXXX SBA Loan Name XXXX XXXX XXXX XXXX Loan Amount {$17000.00} Interest Rate 1.00 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lender Capital Plus DocuSign Envelope ID : XXXX THIS IS A COPY The Authoritative Copy of this record is held at XXXX COP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have written a letter informing Zales that I did not apply for their product. My information has been used by this company and reported to the credit reporting service please delete asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Hi, My name is XXXX XXXX and I've recently opened an account with Citi Bank. Upon opening the account and transferring funds from my self employment business banking that is under my name as well as 2 paychecks that were deposited shortly afterwards. I have not been able to use my account at all. They keep saying its for verification process but I have continuously provided all they requested yet still get the same results. There famous words We can't identify you so we cant help you. This has been going on for over 2 month now if not longer.

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 2021-06-25 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: Credit Plus Inc
State: GA

Complaint narrative:
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Informative Research
State: GA

Complaint narrative:
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have sent several letters asking the company and the credit reporting agencies to delete the inquires but they have not done so yet.

Company response to consumer: Closed with non-monetary relief