vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with Experian and XXXX  whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. Experian shows this tracking number XXXX being delivered on XX/XX/2020 and XXXX  shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.

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 2020-12-18 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: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause 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 2020-12-18 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: IL

Complaint narrative:
On XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: GA

Complaint narrative:
Experian continues to report inaccurate information on credit report and refuses to remove inaccurate information by deleting XXXX XXXX XXXX XXXX account. As of XX/XX/2020 date reported Experian reports : Account status : 120 days late, condition of account : open, payment history 5 late payments. XXXX  reports : account status : collection/chargeoff, payment history : 9 late payments, condition of account : closed as of XX/XX/2020 date reported. XXXX  reports : account status : closed, no payment history, reports partial account number : XXXX as of XX/XX/2020 date reported. Consumer has attached XXXX  document explaining the comparison of the inaccuracies of XXXX XXXX account across all three bureaus. Not reporting 100 % accurately and not reporting the same across all three bureaus. Account must be deleted for inaccurate reporting. ( Provided factual based information in XXXX  document comparing inaccuracies across all three bureaus. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I saw my Transunion credit report and saw multiple credit inquiries that I did not Authorize. I contacted Transunion and they are not deleting those inquiries. 
Also I have reached out to them in the past to advise them that my name listed on my credit file has no Middle initial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: NC

Complaint narrative:
I have been a Bank of America customer since XXXX and now a victim of fraud. I only have the one credit card with them and no other accounts. My balance on XX/XX/XXXX was {$350.00}. 
On XX/XX/XXXX, I was notified of suspected fraudulent activity. Here is the timeline of events for resolution : XX/XX/XXXX - went to the local branch after the notification. The bank associate informed me that an online checking account had been opened in my name on XX/XX/XXXX. 
{$4900.00} was transferred from card to newly opened checking account, and immediately {$1900.00} was transferred through XXXX to an account ( Conf # XXXX ; XXXX XXXX XXXX XXXX  XXXX ). 
A fraud claim was opened on the checking account by BoA on XX/XX/XXXX. 
They cancelled the stolen credit card and issued another card. The stolen amount was then added to the newly issue credit card plus fees from the XXXX transaction bring my balance to ( {$5500.00} ). 
On XX/XX/XXXX BoA informed me that their research had determined that I was not the person responsible for opening the fraudulent checking account, and closed that account and claim. 
After numerous calls from XX/XX/XXXX - XX/XX/XXXX to the BoA fraud department they finally opened a claim on the stolen credit card on XX/XX/XXXX. 
I have continued to make payments since XXXX on my original {$350.00} total before this all happen. 

Please let me know if you need any copies, or more information Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with XXXX  and Transunion whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. XXXX  shows this tracking number XXXX being delivered on XX/XX/2020 and Transunion shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was granted a COVID-19 3 MONTH DEFERMENT ON MY XXXX  XXXX XXXX XXXX XXXX XXXX  AND NOW I AM SEEING IT AS A CHARGE OFF AND I CAN NOT GET ONLINE OR ACCESS THE ACCOUNT AND THEY WILL NOT TELL ME ANYTHING NOR HELP ME AND I HAVE NEVER BEEN LATE BEFORE!!!! HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In early and mid XX/XX/XXXX, I called in to Chase Auto Finance and Chase Executive Offices to discuss getting a two-month deferment ( to the end of XX/XX/XXXX ) because of the Covid/financial situation. 

Due to the continuing Covid-19 pandemic, my work has not yet picked back up ( as of mid XX/XX/XXXX ), and with government-forced shut-downs in XXXX California ( where I live ), the speed at which my work will return has been slowed further. 

When I spoke with a representative at Chase Auto Finance, I was told that a two-month deferment was not an option at the time. 

I also left a few messages with a rep at Chase Executive Offices. He did return one of my calls ( he left a message ), and asked that I leave him a message with the details about my situation. I did leave the rep a message, but three days later, have not heard from him about the matter. ( I understand everyone is very busy right now, but at the same time, I very much need to get this settled asap. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: U.S. BANCORP
State: MA

Complaint narrative:
Elain Financial Services didnt give me credit on my account for the month of XX/XX/2020. As factual proof of payment for the month of XX/XX/2020, I provided Them with my citizens bank statements showing multiple payments being made via automatic pay for the month of XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Active foreclosure, when all all foreclosure activities were suppose to be suspended until XX/XX/2020. Wells Fargo continues to operate outside of all state or executive mandated moritoriums with very if any regards to the consumer. Wells fargo behavior in this particular case is well document with lies and mistrust again. Loan number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc ... has sent fake packages and certified letters to disguise as gifts and then sends threatening letters inside of the packages. They also called my workplace, family members, and my cellphone after I repeatedly told them not to and this will be worked out via letters from the mail or attorneys. They then took it a step further and now have another person calling impersonating the police and law enforcement. This happens on the days the package or mail arrives ( they use tracking numbers ). It is harassing and I have a XXXX XXXX and XXXX documented and causing me XXXX. It has made me XXXX XXXX and now I am in XXXX XXXX XXXX XXXX! I told them I can only afford small payments a month and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In response to my previous complaint Amex falsely claimed that is duplicate without providing any reference to the purported original complaint. 
I have dispute false account XXXX directly with Amex but did not receive any response. I have no knowledge of this accouny, please investigate and delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In response to my earlier complaint XXXX Experian responded with a bizzare and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Then in response to my second complaint they not only admitted that it was I who submitted my first complaint but now claim that they are not going to investigate because I already requested investigation earlier. Therefore, they are completely cofused, contradict themselves and are just trying to avoid compliance with the FCRA. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX XXXX. Accounts XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/20, XXXX XXXX  issued a check on my behalf for a credit card balance transfer to Citi Card ( XXXX, KY ). The associated account number, and intended bank to receive the payment was XXXX XXXX. On XX/XX/20, Citi Card deposited this check despite having no relevant account associated with my name or for that matter any account with the account number shown on the check from XXXX XXXX. 

On XX/XX/20 XXXX XXXX advised that I should contact Citi and have them return the payment. They forwarded a copy of the cashed check. Upon calling Citi, they refused to take any action since it was not associated with any account I held or could they find any record of it and advised that I have XXXX XXXX  stop payment. 
I had XXXX XXXX stop payment around XX/XX/20. I was advised by a XXXX XXXX Credit Card service supervisor that it would likely take up to 2 weeks for a response. Further, when I asked what happened after that if it remained unresolved, I was advised that the bank would be able to follow up directly with Citi. 

On XX/XX/20, after allowing more than the recommended 2 weeks to pass and seeing no activity, I contacted XXXX XXXX  for an update. This time, I was advised that I needed to have Citi return the money. Thus putting me back in the loop of no action and having to continue to pay for a {$4900.00} check issued to the wrong bank and fraudulently cashed by the receiving bank who now refuses to take any follow-up action. 

Neither XXXX XXXX or Citi wants to address the resolution and each bank has profited by {$4900.00} one through a fraudulent acceptance of the check and one through failing to retrieve a disputed payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: NC

Complaint narrative:
I disputed an incorrect XXXX XXXX XXXX that was reporting on all 3 of my credit reports. I also reached out to XXXX directly via US Postal mail and received no response. In the middle of disputing the inaccurate reporting, I was informed by my State Attorney General 's office that my original contract with XXXX had been voided due to a class action lawsuit against XXXX by the State of North Carolina and many other states. Per the order, this account was to be deleted from all 3 of my credit reports. I filed additional disputes with all three bureaus, XXXX, XXXX and Experian. Both XXXX and XXXX deleted this account from my credit report but Experian continues to " update '' this account. I have asked Experian to send me whatever documentation they have that absolves them from deleting this account that was involved in litigation and has a court order attached. They fail to provide this information and continue to report this account illegally. I mailed a direct dispute to XXXX on XX/XX/2020 requesting a 1099A, Bill of Sale, and original contract and never received a response. I filed disputes with Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they continue to update the account even after violating my rights from the very beginning by not listing that this account was in dispute. I even sent Experian the court order in regards to the lawsuit that states that this account has to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 ROZLIN FINANCIAL GROUP placed a collection on my credit for {$54.00}.

I do not owe this company any money. This collections account was placed on my account illegally. Please assist ASAP!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian responded to my previous complaint frivolously claiming that I have disputed the following accounts earlier and are refusing to re-investigate. Dear Experian, please note that under FCRA your are required to re-investigate consumer disputes, please comply with the law. and investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX - Account # XXXX 2. XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The company is Navient. My issue is not that they would call me- I understand that. Actually I had to change my phone number because they harassed me consistently. Now they are harassing my family members. Ive told them twice-both times via email so that I can retain copies of the correspondence to stop contacting my family. Its my understanding they are required to do so once they hear from me. The first time was XX/XX/XXXX- I asked them to stop bothering my XXXX year old mother. The second time was tonight-XX/XX/XXXX after my son got a phone call. I told them I had already warned them I would be reporting them if they continued to contact my family and that was now my intention. They can email me-they can send me letters they dont need to harass my family several times a day. I have not received one letter from this company just constant emails and constant harassment of my family.

Company response to consumer: Closed with explanation