vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the Equifax data breach and possibly placed in the hands of individuals with ill intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Nelnet, Inc.
State: TX

Complaint narrative:
I paid the student loans off in full XX/XX/2020. Great Lakes reported to my credit a new consolidated loan and it's not accurate. I never signed any documents to consolidate the loan. I have copies of the cashier check and a receipt from the Student Loan department showing full payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: DISCOVER BANK
State: NJ

Complaint narrative:
I currently was helping my daughter, who lost her job to the Pandemic, pay her car loan ( I had co-signed ) I have a Discover card, they lowered my credit limit due to the car loan. We had been late a few times but have caught up and now only have 5 payments left I am in the closing part if a refinance when Discover Card lowered my credit limit even though Ive never missed a payment to them Even through the pandemic How do I get my credit fixed due to Discover card They are the only card causing a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Level Processing
State: NJ

Complaint narrative:
I had dropped out of school, and had a balance of a little over $ 11k. So I started working with HLP in XXXX 2018. The deal was for them to consolidate my loans, and I agreed on a 5 year deal, where on the 5th year I would receive total forgiveness. They also promised me that after the first 4 payments of XXXX, that I would begin to see a change in my loans on XXXX. This never happened however ; I recently cancelled in XXXX of this year because the monthly payments weren't affecting my loans at all. I believe I have been lied to. I contacted HLP in XXXX and they told me that I initially agreed on a 20 year deal back in XX/XX/2018!!!! This is not true and is so uncharacteristic of me. I know what I agreed to, and I never would begin payments to pay for more than the loan itself!! My income was low, so I was paying {$19.00} per month, and what they told me was that i agreed to 20 years of paying {$19.00} a month. I was scammed and I demand a refund of more than {$1000.00}. I payed this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I called BofA Fraud department to alert them to a fraudulent {$700.00} XXXX transaction that had just occurred on my account. I alerted them within 30 minutes of the transaction. They told me that the transaction could not be reversed because it was a XXXX transaction. I had never sent the individual that received the funds previously and I alerted the bank to the fact that the transaction was fraudulent. They told me that I had to wait 10 days for them to do their " investigation ''. On the 10th day I received an email stating that my fraud claim was denied because " Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. '' They claim that I must have a virus on my computer, despite my telling them that I have XXXX virus protection and have scanned my computer multiple times.

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 2020-11-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
USAA VISA has been witholding the use of my credit card for 7 business days per month, every month. My entire balance was {$1000.00} this month and I paid the entire balance last Thursday it was removed electronically from my bank and I can not have use of this card now until this Friday. I called numerous times in aggravation because there credit card agreement does not state they will be taking an interest free loan from consumers for 9 days out of each month, as they don't count weekends as business days. It also doesn't state that by never making a late payment in 8 years you will only have use of your card for 21 days per month. However, it does state that they will be charging you interest during this non usable time or every month, or every day of every month. So, this is a {$1000.00} credit card visa, my credit score today before writing this is XXXX. As I stated the entire balance was removed from my bank last Thursday.This is what they call there " Platinum '' card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
Received a notice from Chime that they were sending a debit card out to me that I had applied for. I have not nor would I apply to have an account with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: PA

Complaint narrative:
I tried to get gas service to my new home on XX/XX/2020. I called XXXX, my gas company and they told me they have to do a credit check through Experion. I was informed my credit check account is locked and they can not turn on my gas. It is winter time! I tried to contact Experion via the phone but you can not reach anyone and their website will not let me file an email request to unblock my account. FTC requires I be allowed to fix a problem over the phone with credit bureaus in one hour.

I am freezing with my wife and children in my home do to a bogus account lock and there is no way to correct this issue via phone or email. Experion is in total control of financial future and heat in my home. Yet they provide no means to remedy their errors!

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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XXXX Here are the requested documents to remove my credit freeze so I can reset my XXXX  account and take care of my financial business.

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 2020-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.

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 2020-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc.
State: TN

Complaint narrative:
A reviewing a copy of my credit report I consumer ( XXXX XXXX ) realize that there are several innacurries on my report that violate my rights according to the 15 USC 1692. I did not authorize these accounts to be on my report. According to the 15 usc 1692 D " any bad debt furnished on your reports is ruining your reputation and its defamation of character. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a credit card with comenity/Victoria secret for XXXX. On XX/XX/2020 Upon opening the cc account I placed an order for XXXX. I received the items on XXXX XXXX. I never received a physical credit card from them, just the bill. On XX/XX/2020 ... I received an update from my credit report stating that my account was closed. I did not close it and on top of it ... it was on mycredit report as a closed account and it caused my credit score to drop. 

I call Victoria Secret to find out why the closed the account and also called comenity. The provided me with a comenity dispute P.O. Box number ... and did little else. 

I asked both companies to remove the closed account ding off my credit report and they said they could not. Btw I paid the XXXX bill because I received the items and didnt want it marked as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, back in XXXX there was identity theft on my account. I spoke to XXXX XXXX  about it and they were going to remove the 2 inquires. It's been a while its not XX/XX/XXXX and these things still show up. Under the fair credit reporting act 609? Shouldn't these be off? again I never authorized this. They removed from XXXX  just not equifax. I will show u that that they are not on XXXX. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
DATES OF DELINQUENCY FOR XXXX XXXX  ARE INCORRECT. EXPERIAN & XXXX  HAVE BEEN ASKED TO CORRECT THE DATE OF DELINQUENCY AND ALL MISSING INFORMATION FROM ORIGINAL CREDITOR TO XXXX MULTIPLE TIMES. THEY HAVE REFUSED TO ADD MISSING DATA AND CORRECT THE INCORRECT DATA. THEY CLAIM THIS IS VERIFIED BY COLLECTIONS AGENCY BUT NO ADDITIONAL DATD HAS BEEN ADDED OR CORRECTED. THIS DEBT IS 5 YEARS OLD. IT WAS NOT ESTABLISHED IN XXXX. THE COLLECTIONS AGENCY IS ILLEGALLY REPORTING INCORRECT DATA. XXXX  INVESTIGATED MY DISPUTE AND THIS RESULTED IN THE COLLECTION BEING REMOVED FROM MY REPORT BECAUSE THEY COULD NOT VERIFY THE DATA!!!!! EXPERIAN AND XXXX  NEED TO FOLLOW SUIT!!!!

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 2020-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I discovered two fraudulent charges on my Bank of America credit card dated XX/XX/XXXX and totaling XXXX. I only discovered them due to a routine check of my finances. I received no fraud alert for these charges. 
I reported the charges immediately to the bank by phone and stated that I did not make these charges and have never received the new card the bank issued for me. 
On XX/XX/XXXX my fraud claim was declined with a wording " the chip was read, my PIN was entered, and/or you signed for the merchandise or service ''. They also stated they verified signed receipt or contract with the merchant. 
I called on XX/XX/XXXX to ask the bank about the transaction details, such as the merchant information ( location, phone number ), the amount of goods or services purchased, a receipt with my signature etc, but the bank was unable to provide any of it. I believe no investigation actually took place. Instead, they simply made me responsible for an enormous charge that I didn't make. During the call, the associate reopened the claim and told me she will inform me about the results in 3-4 weeks. 
On XX/XX/XXXX I sent Bank of America a follow-up letter asking to reverse the charges and provide an explanation to the denial of my fraud claim. 
On XX/XX/XXXX I made a follow up call to the Bank of America. I was informed that they did not have the information I requested available. And said " as you were informed during your previous call it will take up to 90 business days ''. I was not informed about 90 business days during my previous call. They have also mentioned something about their shareholders, which I find impertinent to my case or providing me with the grounds for denial of my fraud claim. 
To provide context, I'm a XXXX XXXX and a single mother, and with their non-existent fraud prevention system, Bank of America just ruined every slim hope I had for ever becoming financially secure.

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 2020-11-16 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns lost my accts XX/XX/XXXX. I could not pay as there were none with which to pay. In XXXX of XXXX Conns XXXX XXXX found my accts. They had reported all 4 accounts closed in XXXX to the credit bureaus. In XXXX, Conns put on the credit bureaus that my four accts wee open and 5 months past due. I asked them to consolidate the 4 accounts but they refused and wanted 4 payments Xx 6 months. I told them I couldn't pay that much at one time. The only other choice was to settle with them which was more than the 4 payments of the 4 accounts. I was working part-time and then the pandemic hit. I could do nothing. I did however ask them to remove the incorrect address for in their files and to remove my social security number off of a MRXXXX XXXX XXXX files and purchases. His {$5000.00} charge off is currently on my credit files at the credit bureaus. Mr. XXXX has my Social Security number on his Conns file and on his purchases. Mr. XXXX XXXX has access to my Social Security number. Whether he uses it or not, Conns has used it! I was working very hard to improve my credit and this has made my credit go way down i have a balloon note on my house and if I can not refinance, I will lose it. These account entries that are not mine need to be un-associated with my SS #, my credit reports, my phone number that I have had for several years, and remove addresses that not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
I have not received any notification about attempting to collect a debt. I checked my XXXX XXXX on XXXX XXXX and my credit score has dropped over 50 points. It was not on there the previous day. The date beside the collector says XX/XX/2020 and I have heard nothing from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
XXXX approved an online application XX/XX/2020 in my name. The application was filed in my name with my banking information/savings account. A lump sum of {$1200.00} was electronically deposited to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. This savings account is rarely used so I thought the deposited seemed suspicious. Upon further review from the credit union, they determined the funds were deposited and the money be reversed and sent back to XXXX. 

I never applied for any loan ( s ) with this company. I was encouraged to file an identity theft report. I then filed and FTC complaint, several XXXX  complaints/responses, and a report with the Attorney General of Wisconsin. 

I am terrified about this mysterious deposit because this account is my savings account, not a checking account. I did not apply for this loan and XXXX is refusing to address my concerns regarding quality assurance and loan verification processes. I asked XXXX for specific information via e-mail and by phone. Instead XXXX communicated with me via the XXXX of Wisconsin saying the loan was valid and legal. XXXX is ignoring the fact that the loan was fraudulent and someone else applied for the loan to phish from my banking account and then leave me on the hook for a loan@ 794.95 % ( {$8000.00} USD ). XXXX says the online application was approved on XXXX. I don't understand how they verified if this loan could be paid back. All financial institutions require employment verification, pay stubs, references, and pay frequency. None of this information could have been supplied upon XXXX loan approval. I had absolutely no knowledge of the XXXX loan or terms until they forwarded the online application to the XXXX. I have copies of my police report, FTC report number, and the XXXX correspondence sent to the XXXX  if the documentation is required. Throughout my complaint processes leading up to filing this report, XXXX has replied to me as if I applied for the loan not as a victim. 

I am exposed and I have no protection of my information and how it is being used. I am a victim of identity theft, phishing, and I am being locked out of my email accounts etc. These are scamming attempts to take what I don't have and XXXX is aiding this process. I am extremely unhappy and I need answers. I want to take XXXX to court, press charges, and any other legal actions I can take against them. XXXX 's response to my complaint resulted in no further action because they are claiming immune from legalities because of " XXXX affiliation '. I understand they may be immune to consumers who actually applied, which I did not. XXXX is not taking my matter seriously and I am sure this is happening to others. I am a victim of this pandemic resulting in significant loss of income and suffering as many American 's are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NY

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong 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