vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I traded in my leased XXXX 6 months before lease end on a new XXXX lease at a XXXX dealership. The lease included provisions for the dealership to pay off the trade in in full. A month later I got a lease end termination bill for {$6000.00} from Chrysler Capital and when I contacted them they said it was probably just a delay in paperwork and not to worry about it. A month after that I got another {$6500.00} bill from Chrysler Capital and when I contacted them they lied and said I never traded in the old Jeep and that I owed this money. I have the new lease contract that proves otherwise. They say I have to pay the amount, which is not supported by any type of documentation. My remaining payments ( 6 times $ XXXX/month ) only add up to {$3300.00} so theres no way I could owe {$6500.00} even if what they said was true. These people were rude, arrogant and dismissive. The best part is that this happened 3 years earlier on my previous trade in as well, which eventually got sorted out after weeks of harassment by them. Should I have learned my lesson then? Probably. But now I have proof of a pattern of fraud, contempt and disrespect for a loyal cuStomper who always pays their bills on time. Chrysler Capital needs to be brought to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been trying to dispute a charge on my Amex on XX/XX/2020 for {$99.00} at a gas station in XXXX CA. I was in XXXX XXXX  at the time. As soon as I received the amex text of the charge i called to cancel my card. On the phone, the lady told me to wait until the charge goes through in order to dispute. I did just that and a message stating it may take 30 days showed up. I then received a message from amex saying the vendor has some sort of authorization form and amex will go ahead and charge me. I reopened the dispute again. Again, the amex website said for me to wait 30 days for it to be resolved. I just got a message back saying again that the vendor provided some document and that i will be charged. I called amex 10 minutes ago and the amex rep said my disputes were never completed and only now was it completed and it will take 45-60 days!! I am tired of the runaround and am concerned the time will elapse for me to dispute the charges. Also, amex seems to take the side of the vendor that somehow illegally obtained my card info. I am an attorney. I will not risk lying about a {$100.00} claim and jeopardize my license. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I accidentally made a payment in the amount of {$1100.00} to Bank of America ( chose wrong card when using my bank 's bill pay - should have chose XXXX but chose Bank of America instead ). My balance was only {$370.00} leaving me with a credit of {$770.00}. 

I have requested a refund of this credit and spoken to at least 6-8 different persons beginning on XX/XX/XXXX. All gave me different stories on when I could expect a refund, and none of them were true. I still don't have this money. I have spoken to supervisors and specialists who were to be handling my case individually. I even received a call back from one person, who after doing " research '' indicated that I should receive a check in the mail by today XXXX. 

I don't know what else to do at this point, and their customer service is terrible. So I am turning to you for assistance.

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 2020-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
On XX/XX/20 I called the XXXX apartment complex to ask them to verify that they had mailed my final account to me, as I had never received it. The XXXX refused to give me evidence of the day and address that they had sent the final account to. Later on XX/XX/20 I attempted to contact IQ data international, and they insisted that The Vue did not have to prove that they had sent me a final account, nor did they have to send me a final account t before sending the debt to collections. I disagreed, stating that The XXXX  was legally obligated to send a final account and to prove to me that they had. This is when the man from IQ Data International started shouting at me, saying that I did not know what I was talking about, and that I had better pay my debt, or my credit report would be affected, and that The XXXX was not obligated to inform me about my final account at all. I feel I was treated wrongly and that the way this matter was handled is very illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: TN

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Yes I have been saticefied with the actions of credit bureau when comes to my credit. I have submited Identity Theft Reports to bureau 's and there are still Addresses and accounts that they refuse to take off and it is affecting my ability to get credit. And I'm looking to buy a property in the near future.

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 2020-05-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested the METHOD OF VERIFICATION multiple times with Experian, XXXX, XXXX  concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what Experian, XXXX, and XXXX  used as proof to verify the bankruptcy. Experian, XXXX, and XXXX  has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that Experian investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH EXPERIAN, XXXX, AND XXXX. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of Experian. I will not accept any more pre-made responses from EXPERIAN!

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 2020-05-16 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: TN

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-05-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my credit report I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 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: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
An account from Kay jewelers is still reporting on my credit report. The account is closed with a XXXX   balance and I have attached proof. I had to call the company on XX/XX/2020 to get this letter that the account is paid in full and there is no balance to report and the account is not open. Ive tried to dispute the account but have had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I have disputed this collection account four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the results remain the same. This collection account is from a medical debt by XXXX XXXX XXXX in XXXX, Illinois. At the time I had insurance and provided insurance to the hospital. My insurance sent me my explanation of benefits and it stated I was responsible for {$1200.00}. However, CMRE Financial Services and XXXX XXXX XXXX have a collection on my credit report for {$7500.00} which is a violation of my rights per the Fair Credit Reporting Act and The Illinois Balance Billing Law. This company has been reporting false and illegal information and have damaged my credit report by trying to make me pay something I did not and do not owe. They have been reporting failed/late payments since XX/XX/XXXX and I demand they be removed from doing any further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have an auto loan with BECU. I have never been late on the payment but I just found out I have a 30 day late showing up on my credit for XX/XX/2020. I use bill pay to make my payments, and I've attached 2 bank statements to show the payment history for each month since I bought the car. Every month, I transfer the payment of {$320.00} from XXXX XXXX XXXX XXXX to BECU and my payments are processed. The payments are due on the XXXX of each month and I've never been 30 days late. Can you please investigate this for me and advise me of the results? My credit has no blemishes on it other than the BECU late payment, which is erroneous and I am hopeful you can clear it up for me. I am trying to refinance and this is really hurting my loan. BECU account # is XXXX. Please let me know if you need any additional information. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation