vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: WA

Complaint narrative:
I have been trying to put a Security Freeze on my credit report due to the potential risk of identity theft that I have recently been alerted to, but Experian 's online credit freeze is not working for a week now. The error alert claims I could not be verified, so I needed to send all my confidential information through the mail to them - which seems ridiculous in this time sensitive matter, and simply in this technological age. XXXX and XXXX were able to freeze my account in minutes. However, most interesting is that Experian had no problem verifying me and accepting my information to create a new Experian account to sign up for their XXXX credit locking program. This seems like a suspicious roundabout way to prevent me from using my right to freeze my credit report for free, and instead pay for a {$24.00} a month lock subscription. I would appreciate CFPB investigate why Experian 's online credit freeze feature does not work. I would contact Experian, but no email is provided, and I can't get through to them on the phone.

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 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIED THE INFORMATION ON FILE FOR THE DISPUTED ITEMS PURSUANT TO SECTION 609 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 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I recently discovered my XXXX credit card through Comenity Bank had been closed by the bank, without notice. As there was no balance, I was never late on payment, and there had been no failure to comply with terms on my part, I assume that they closed it because I had not used it in a year and a half. ( It should be noted that this same thing happened to me years ago, with Comenity Bank, and a Victoria 's SecreXXXX card I held, and that a year and a half is not an inordinately long time to go between purchases at a specific store. ) While the credit card agreement states that either party can close the account at any time, I believe this is a bad business practice, and that there should be changes to the legislature to prevent this from occurring. If they have an internal policy specifying an exact time frame for non-usage before cancellation, this should be required to be in the credit card agreement, so that consumers are aware when they sign up, and can meet that term to avoid closure of the account. That would be FAIR, because closure of accounts harms a consumer 's credit score. 

Credit cards are typically maintained by people to use when they need, and Comenity simply closes accounts of people who don't use them regularly enough for them to profit. Comenity should be required to make disclosures and include the time-frame of closure due to non-usage before they harm a person 's credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXXMy wife and I had a car loan with XXXX XXXX XXXX  since XX/XX/XXXX.. In late XX/XX/XXXX of this year, my wife had an accident with the car. XXXX XXXX deemed the vehicle at total loss. XXXX XXXX XXXX   issued us a Total Loss letter dated XX/XX/XXXX. XXXX XXXX issued and mailed a check to XXXX XXXX XXXX  in the amount of {$9400.00} on XX/XX/XXXX I noticed that the loan was not paid off on or around XX/XX/XXXX. I contacted XXXX XXXX XXXX   numerous times by phone, email and fax to try to rectify the situation. By the end of XX/XX/XXXX, XXXX XXXX XXXX  notified all 3  of the credit reporting agencies that my wife and I were 30 days late on our car loan. XXXX XXXX  has the payoff check from XXXX XXXX  in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX  saying she would try to help. She asked if I could call my adjuster at XXXX XXXX  and ask they could reissue a check. I said sure. My adjuster XXXX  said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/XXXX and reissued another check on XX/XX/XXXX. The check was received by XXXX XXXX  on XX/XX/XXXX and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though XXXX XXXX  could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XX/XX/ reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still XXXX XXXX  each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/XXXX and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/XXXX, I submitted 9 email requests with copies of the check to XXXX XXXX, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still XXXX each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.

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 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
credit collection service XXXX XXXX XXXX XXXX ma XXXX ( XXXX ) XXXX original creditor XXXX XXXX amount u {$120.00} placed collection XX/XX/2017 my name is XXXX XXXX XXXX never owned anthing for this company!! 

att XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America put a " fraud hold '' on my account and did not notify me other than by email. As I was out of town, I did not check an email or have any idea that they blocked access to my money. They declined my card for gas while I was on a trip and stranded me without any means of payment. Once I got the email, I notified them that the charges were approved, and they were supposed to take the hold off of my account. I drove to the grocery store and went shopping, and when I checked out, my card was declined, leaving me without any money or any food. Bank of America then had me call, where they sent me in to a cycle of automated recordings for an hour, then finally picked up, only to tell me that they needed to transfer me to another department. After another lengthy wait, I have now been told that my hold has been removed from my card. I want to get my money, and I am closing all of my accounts with BofA. A loyal customer for 28 years, they have turned in to nothing but white collar criminals that are funded by the government. I am appalled at the actions of my financial center and crippled by a {$12.00} charge that they used to freeze my money. This practice should be stopped, and if they are going to freeze someone's accounts, they need to at the very least send a text or call them to give notice. XXXX XXXX  does this, and I pay them far less than the {$12.00} BofA takes from me every month.

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 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A letter from Chase bank was mailed on on XX/XX/2020 stating that they were going to debit accounts on XX/XX/2020 for " Govt. Stimulus Chase 30 Overdraft Assistance ''. I did not pay much attention to the letter as I had a negative balance on my account due to my unemployment and when the stimulus check was deposited the bank took out their over draft fee ( A service I never requested or signed for as I had a debit account and told the banker that I was not interested in overdraft insurance, that I wanted the account to function as a debit only and pay out if the funds were not in the account ). 

On XX/XX/2020, the balance ( XXXX ) in my account was taken by the bank around XXXX XXXX, and I was left with a overdraft of XXXX XXXX  XXXXThere was no need for this, I did not authorize this. Yes, the balance was small because I am unemployed and had been living solely on the stimulus check. That {$16.00} was going to pay for laundry. Because that did this. The money in my savings can not be transferred to my checking/debit account because they will take it and I have a small amount of money left. 

I tried calling them, but was unable to get through the lines as there was no customer service available, I kept going into a loop. Tried 3 different numbers. My daughter somehow was able to get through and was she was told was there was nothing that could be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i have filed a dipute directed towards the incorrect items on my credit report. its been well over 30 day period and i have not received any results.

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 2020-05-15 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: CA

Complaint narrative:
I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX Apartments and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
Sent in a certified Validation of Debt letter to company, asking specifically for a contract stating that I owe the company money for a debt without any contract showing. I have not received any correspondence from company at all. This was sent out via certified mail on the in XXXX and stated received via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient student loan delinquency mark requested be removed due to rehabilitation and not my personal-direct loan. 
30 days ago launch my status to control my credit reports and errors on my credit reports from XXXX, XXXX XXXX, and XXXX. Directly filed complaint reports with credit reporting Agencies to contest in most cases 3-5 items listed. Primarily, the outdated and incompleted report from Navient. The Credit report agency agreed to remove most but not the Navient delinquency report. They indicated that this must be done by Navient. 
I filed a complaint with Navient to have transgression removed. I base my dispute to facts that the Loan XXXX XXXX XXXX was sons loan and that I was a cosignee. Unaware of delinquency matters but co-responsible. I immediately helped him become current and pay off account-close it. Account was closed out on XX/XX/XXXX and original account opened was XXXX. Navient will not help or understand to correct and remove this history. Navient loans are rehabilitated and in good standing for some time..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX, XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX XXXX and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.

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 2020-05-15 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: CA

Complaint narrative:
I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX XXXX  and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.

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 2020-05-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
I applied for student loan assistance during the forest fires in California  because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To whom it may concern : I have student loans with XXXX ( lender : XXXX XXXX XXXX XXXX NELNET ( Nelnet Education XXXX XXXX XXXX Guarantor is XXXX XXXX XXXX ) the loan number is XXXX. 
I have been paying on my loan since XXXX, I have the following problems : 1 ) My balance remains almost the same. I have been trying to speak with a manager at XX/XX/XXXX which is almost impossible to discuss my problem. My full amount owing {$20000.00} give or take. I have been making payments since XXXX and there records show me making the following ( Payment / Principal / Interest 2 ) My Payments are due the XXXX of every month ; however I usually make my payments as soon as my statements become available usually 5 days before month end. I had signed up for automatically payments but if I did that by the time it got processes the whole payment would be applied to the interest and almost nothing to zero to the principal since I work in in financial institution this makes no sense to me. I tried to contact and have an amortization table but I had no luck getting it. 
3 ) When I make a payment the principal and interest rate which is 4.75 % is applied different each month.

4 ) I am also unsure of when my loan will be paid off since the balance does not change and I am unable to speak with someone.

5 ) There site is not user friendly, I am unable to locate a main person XXXX to assist. Customer service is very limited. 
6 ) ACS website allow me to see the total payment and before it was transferred to Nelnet I had requested to see all the payments onXX/XX/2017 but they had denied. 

In conclusion, I have being paying my student loans since XXXX but my balance is about the same. Since, I am in finance I wanted to see an amorization table where I can see how my payments are being applied to the principal and how much interest I am being charged each month. I have to get rid of the automatic payments or almost my whole payment will be applied to the interest so I always pay as soon as the new statement is available so my payment at least half of it or so it's applied to the principal of my debt. 

I had asked for the detailed statements to XXXX and Nelnet and received very vague answers. 

I hope someone can help.

Company response to consumer: Closed with explanation