vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
NTB/CBNA is reporting a charge off that I have not authorized/no knowledge of. I have reported identity theft on numerous occasions, however they are adamant that the report is correct. The credit card was opened on XX/XX/2018 for a balance of {$700.00}. It is currently reporting a charged off balance of {$1000.00}. Due to this inaccurate information my credit profile is impacted negatively!

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 2021-02-16 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX Annual credit report. The error which prompted this credit report dispute includes late payments on XXXX, XXXX, XXXX, SYNCB/JC PENNEYS. I am kindly requesting SYNCB/JC PENNEYS to remove this late payments from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2021-02-16 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: AES/PHEAA
State: MI

Complaint narrative:
I sent 4 letters Exhibit A Validation of debt request dated XX/XX/XXXX XXXX Exhibit B Validation of debt request dated XX/XX/XXXX XXXX Exhibit C Notice of default Opportunity to cure XX/XX/XXXX XXXX Exhibit D Notice of Intent to Sue XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I used my Chase Mileage Plus credit card to purchase an upgrade on two segments of a XXXX XXXX ( $ XXXXeach x XXXX segments = XXXX USD. ) In XXXX, I declined to renew my card for another year and my balance was XXXX by XX/XX/XXXX. 

My flight was canceled due to Covid restrictions in XXXX on XX/XX/XXXX. 
After contacting XXXX several times during spring and summer and alerting them to my closed Chase credit card, they processed the refund, through XXXX, to my closed Chase credit card on XX/XX/XXXX. 

On XX/XX/XXXX, I called Chase credit card, and was told they had no record of my credit card account. After multiple calls ( 3-4 ) I was told my card had most likely been " purged '' and my only recourse was to fax the " Purged card department. '' I did that, with all information, on XX/XX/XXXX. 

On XX/XX/XXXX, I made repeated calls to Chase in order to find an address to which I could send a followup letter about my refund. I was told, without any doubt, that I had never had a Chase credit card -- this despite the fact that I was holding a photocopy of the front and back of my Chase credit card ( the original of the card was destroyed when I canceled my account as is usual good practice. ) When I provided my full SSN, I was assured that I had never had a credit card at Chase under that SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NJ

Complaint narrative:
About 11 years ago I owed about {$68000.00} in student loans as went threw a divorce I had to use deferment options because I wasn't able to pay. I never went into default and used options to lower my payments but because of payment reductions and for forbearance 's over the years my balance is now over {$300000.00} dollars with interest and fees. My employment status has changed in the past 3 years and I am now able to make payments. I can't afford the standard payment amount on that kind of money nor will I ever be able to pay that back. I offered to sell my home and give all of the money made which would only be about {$40000.00} and find a way to pay the difference of {$28000.00} from the original amount to them but they said they can't settle the loan for a lower amount. because of what the loan was increased to i was turned down for a mortgage and do not qualify to make any significant purchases. My fiance and I was looking to purchase a home together but I don't qualify because of a {$300000.00} debt. I am upset that the only reason that I can't move ahead in life is because of a student loan balance on my credit report. If I defaulted on it is one thing but because of the interest and fees my life is at a standstill. What can I do to resolve this issue?? Thank You!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
When attending XXXX school I took out both federal ( with both subsidized and unsubsidized portions ) and private loans with Sallie Mae. At some point Sallie Mae sold my loans to Navient who is currently still my loan servicer. During the Covid-19 emergency it was announced that loans owned by the department of education would not accrue any interest. To my surprise my federal loans have been steadily collecting 4.5 % interests. Because I am on an income-based-repayment plan and every year I re-certify through the department of education, I continued being under the assumption that the department of education owns my federal loans. However when I called Navient they told me that my loans are charging me interest because they are not owned by the department of education and they are commercially-owned. When I ask for explanation they refer me to the department of education but the department of education keeps referring me back to the loan servicer, navient. Navient claims they were always commercially owned. Navient is also telling me that I will not be eligible for loan forgiveness till XXXX although my loans were first disbursed in XXXX. I'm entitled to an explanation. Why and when did my federally-owned loans become commercially-owned and why? Although I'm not fully employed and my income-based-repayment amount is XXXX, I've been making consistent payments of {$200.00} to cover the interest rate. I think I'm at the very least entitled to an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 I was going through my bills and came across a old XXXX XXXX  statement. I called the number on the bill. I got an automated voice and asked me to certify my identity and it had me put in my full ssn. Then it directed me to a person and it didn't sound legitimate. I XXXX the number I called while on the phone and it said that it was a Scam. Now I'm worried I'm at risk for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and Experian 's response is attached. I have also attached attachments for this referenced complaint. Experian claims XXXX XXXX needs my permission by stating " The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX  GAMES? XXXXXXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.

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 2021-02-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I used my credit card ( Apple Card ) on XX/XX/XXXX to pay for fitness equipment. After placing the order I contacted merchant in XX/XX/XXXX to follow up on my order. I was not given a confirmed date for delivery of equipment nor an ETA. I disputed the charge with my credit card. It was resolved in favor of merchant. As per card company I authorized the charge which is true. However I am not disputing the charge as such but disputing the charge due to inability of merchant to deliver merchandise that I paid for. 

I contacted merchant again in XX/XX/XXXX. Merchant expressed his inability to fulfill the order, yet again. I am paid {$470.00} for goods that were never delivered and credit card company washed off their hands by not helping their own customer. 

I have shared the emails from vendor with my credit card company and even then they are not willing to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX I applied for a retail store credit through a company called XXXX. My application was delayed as I have a Identity theft alert on my reports. That application was denied as they stated that I failed to provide the required information to process the application. i called the company and while I was on the phone they stated that the problem could be resolved after they verified my identity by calling me on the phone number noted by the alert. The phone number on the alert was XXXX, the credit was declined due to the failed verification. On XXXX I contacted Experian and asked why this error existed as in recent years and months, I had changed the phone number to XXXX. The Experian agent confirmed the new number and also stated that their system somehow possessed the old and the new phone number, but had disseminated the old number, and not the new. I was then instructed to speak with Experian 's fraud department as they would be able to change the inquires which were impacted by the incorrect reporting for four years. I was forwarded to a fraud specialist named " XXXX '' and she began to berate and insult me after she was presented with my issue. She stated " I know that you are lying because that no one really sent you to me. '' After a few minutes, I requested to speak to another fraud specialist, and she refused. I then terminated the phone called after i felt being insulted and " XXXX '' was refusing to send me to another specialist. Later, on XXXX I called back to Experian and was forwarded to another specialist. This time the fraud individual provided me information that the last time I contacted Experian was in XXXX. This information is false as each year since XXXX i check on my credit through the Experian credit monitor service where I pay to have access to my credit. Then, I altered the phone number as I moved from XXXX to XXXX in XXXX. I again informed the fraud specialist that the Experian agent confirmed and conceded that there system possessed both the current and the old verification phone number and published the wrong information. He then stated that Experian had no legal obligation to publish the correct information or change information that is incorrect. At that time, I again terminated the phone call from the fraud specialist as his comments were not only illegal but may have been a statutory violation of the Fair Credit Reporting Act.

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 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Regarding Santander consumer finance 24 state AG Settlement. 
Santander states my account was overlooked to be included in settlement. 

Account meets all requirements to be included in settlement. 
1. Loan was acquired during time frame ( XX/XX/XXXX ) 2. Loan was charged off within 12 months 3. Defaulted on loan and car was NOT repossessed. 

Information with Santander as follows : Account number : XXXX Name on account : XXXX XXXX Vehicle : XXXX XXXX XXXX Separate complaint will also be filed against Santander consumer for changing interest rate on finance agreement without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My car lease was scheduled to end originally in XX/XX/XXXX, but I requested and was granted a 6 month extension at that time, extending the end of the lease until XX/XX/XXXX. 
In XX/XX/XXXX, I was under stay at home orders and in lockdown due to rioting and looting in XXXX XXXX. No Dealerships were open or taking lease end cars in at that time. I had no where to return my vehicle. I contacted XXXXXXXX XXXX XXXX  to ask what to do. They issued a deferrment, which deferred my lease payments. I was under the belief that it was another extension, so I continued to make my car payments as usual. I also continued to receive statements from XXXX XXXX XXXX showing me how great I was doing with my payments and no action was required by me at that time. As such, I believed the matter non urgent as long as I continued to pay. I was dealing with a personal health crisis with my dog all summer long, in and out of vet emergency hospitals, so I didnt have the luxury of car shopping. 
I continued my payments through XXXX and XXXX, and also communicated to the company I was going to look into another lease from them, or possible purchase the car. There did not seem to be any issue with this arrangement. With dealerships not accepting cars, why didn't Chase arrange to pick up my car if they wanted it back? My payments were pre-paid through XXXX of XXXX. In XX/XX/XXXX, Chase charged off my lease. It hit my credit for 150 points and made it impossible to get a loan to purchase the car, or any car. They ruined my handyman business by repossessing the car in XX/XX/XXXX. I had no way to work without my car to carry my tools. 
I had a stellar record with this company for my previous 2 XXXX purchases ; with this action, even though there was open communication with them, took the route to actively destroy my credit, while I was 100 % current with my payments. 
I am attaching copies of my payment history at 98 %, and the statements from chase AFTER my lease was supposed to be up, showing no problems or issues. And a sign from the dealership stating no returns would be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts, Inc.
State: OR

Complaint narrative:
Received a collection agency notice from AAI stating I owed XXXX University over XXXX XXXX in outstanding tuition. This is strange since there is XXXX XXXX in interest, and there has never been any other correspondence through AAI until the statement dated XX/XX/21. Also erroneous since I have never attended this institution nor have I ever registered. The claim seems legitimate since they collection agency has my name and address correct but no other proof is disclosed. Typically, when receiving invoice I question the intent, the amount and even the validity before responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: UT

Complaint narrative:
The three major credit bureaus : Transunion, XXXX, & XXXX are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.

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 2021-02-16 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: DISCOVER BANK
State: PR

Complaint narrative:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
Mortgage Solutions Financial ( MSF ) is the mortgage company involved in my complaint. I am the property owner and I purchased the property on XX/XX/XXXX with escrow payments for the property taxes to be collected, managed, & disbursed by MSF in a timely manner. MSF took the account off escrow in error sometime between XX/XX/XXXX and XX/XX/XXXX. No XXXX taxes have been successfully processed to date, eventhough the MSF tax portal shows disbursements. The money was taken from the escrow on XX/XX/XXXX, but is unaccounted for. Specifically the taxing authorities involved have not received payment. Also of concern is that the disbursements dated XX/XX/XXXX don't include the late fees and as stated have not been submitted to the taxing authorities. Where is the money? 

In a nutshell, MSF is not taking the matter serious and I am being assessed late fees. Here is a synopsis of my actions in an attempt to quickly resolve this issue. 
I received a delinquent tax notice on XX/XX/XXXX for the XXXX County Tax Assessor for I immediately called MSF and was informed that my account had been removed from Escrow Payments in error and that I would receive a letter in 2 weeks advising that the problem was corrected. I paid the tax bill on XX/XX/XXXX to avoid late fees. I paid in total XXXX, see receipt attached below. Between XX/XX/XXXX and XX/XX/XXXX I have not received any update or correspondence about the mistake made by MSF as it relates to the escrow issue. On XX/XX/XXXX I received two delinquent notices from : 1. MUD # 2 original tax amount XXXX, current amount is now XXXX includes a 7 % delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ) 2. R.U.D. original amount XXXX, current amount is now XXXX includes a delinquent fee of XXXX as of XX/XX/XXXX ( see attached notice of delinquency dated XX/XX/XXXX ). 
I checked with both taxing authorities and verified that no payment has been received to date. I then called MSF and spoke with XXXX ( manager in the tax department ) and was advised that on XX/XX/XXXX the funds were withdrawn from my escrow account but the money has not been mailed to the taxing authorities as of today XX/XX/XXXX and can not be accounted for. I sent an email to MSF because I am very concerned about this issue. I am filing this complaint so that I will have support from CFPB that someone in authority will address my concern. My monthly mortgage includes billing for taxes and MSF is holding sufficient funds in the escrow account to cover the taxes. I don't know what more I can do. I've called and called but no one at MSF is assisting me.

Company response to consumer: Closed with explanation