vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I called on XX/XX/XXXX asking if they was doing anything for people thats not been working related to COVID 19 and their monthly payments. The agent said all they could do was refinance my loan and push my payment to XX/XX/XXXX. I had forgotten about that call till I called today on XX/XX/XXXX asking if they was anything I could do for my payment for XX/XX/XXXX because I havent been working. Ive been trying to think of ways to save money to pay my main bills and several of my other accounts have all worked with me. I dont think its fair or right for them to only allow me to refinance my loan during this national emergency when no one is hardly working. I have filled for unemployment but that takes time as its still pending to this date. If I refinance thats going to mean my credit will be ran, my credit score will mostly likely drop, it takes two years for the hard inquiry to be removed from my credit. I just think Mariner Finance is taking advantage of people during this time saying all we can do is refinance your account. I have never missed a payment with them and have never asked to skip a payment. This is not something I like doing, because the faster I can get this paid the faster it will be off my credit and allow my credit to show positive accounts.

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 2020-04-14 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: AR

Complaint narrative:
This is my second time contacting you regarding the same issue with Bank of America milking the corona virus situation to hold around {$3000.00} of my money. 

I purchased 5 airline tickets on XXXX XXXX from XXXX at the same instant for my wife and XXXX kids. The total price for all five tickets was around {$7000.00}. I bought the tickets with my Bank of America credit card back in XXXX. The flights were cancelled and XXXX refunded the tickets, but Bank of America have not refunded all tickets : they refunded 3 tickets on XX/XX/XXXX, and Im still waiting for 2 more refunds. I called them many times, and they are using the COVID-19 excuse. I checked with XXXX XXXX and they confirmed that they refunded all tickets. So the hold up is from Bank of America who are deliberately delaying my 2 other refunds. 

After the first complaint, they emailed me to say that they are working on it. That's it. I still don't have my refunds. The person who emailed me ( listed below ) does not answer her phone, does not email back. I left 3 voice mails and emailed her twice since I got her useless generic response on XXXX. 

XXXX XXXX Resolution Specialist Regulatory Complaints Department XXXX extension 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 monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I contacted Citizensone loan because of the current situation of the Covid-19 pandemic to see what forbearance programs they have during this time. I am XXXX XXXX and am currently shut down. Citizensone stated that they have a forbearance plan which consists of 90 days and can be extended for an additional 90 days, if needed. At the end of the forbearance period all delayed contractual payments will be due on your next payment due date. How is that helping me? How can I come up with all those missed payments in one lump sum? I have a mortgage with XXXX XXXX XXXX  which has graciously given me 90 days and will extend for another 90 days, if needed and they are extending my mortgage payoff by that amount of months taken. That is what a bank should do. Citizensone is unreasonably taking advantage of the consumer in this pandemic. I know of many other banks like XXXX XXXX that are coming to the aid of their customer, that's helping American people get back on track in this difficult time. I have contacted Citizensone numerous times to try and resolve this issue but they will not negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 and XXXX XXXX XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone number and name corrected on my report as this is a violation of my consumer protection right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$270.00} XXXX  XXXX  XXXX {$560.00} XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$3400.00} XXXX  XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX  XXXX {$8000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX  XXXX {$110.00} USDOE/XXXX  XXXX {$1400.00} XXXX  XXXX {$93.00} XXXX  XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX calls 2-3x a day XXXX After being given a decrease and desist order and 2 letters from debt relief program, they ignore orders and keep calling ...

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 2020-04-14 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:
I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with 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 2020-04-14 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: LA

Complaint narrative:
I have send several emails to the CEO and payment center. I mailed a couple of letter no responds I investigated the information it keeps coming back no change.

I have 2 accounts with this company on my credit report. both accounts are showing paid in full 1 of the accounts is showing 3 payments with 30 days late 2 payments 30 days late on the other account then no payments then paid in full

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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Around XX/XX/2020, I contacted Wells Fargo about trouble paying as the result of financial difficulties from COVID 19. They said they would wave my late fee 's and interest on the credit card, as well as work with me through the pandemic. They also said they would defer my payments. However, a couple of days latter, Wells Fargo reported me to the credit bureau for late payments and closed my credit card account. I called again on XX/XX/2020 and they said that deferment was suppose to happen, but no one took action on it. The person I spoke with said they are going to talk to their manager and work out the issue.

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 2020-04-14 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: DISCOVER BANK
State: IL

Complaint narrative:
This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am quarantined, no car and high risk. I made a payment to my Slate credit card at approximately XXXX XXXX. XX/XX/XXXX. 
Today, after a Slate rep. incorrectly informed me XXXX XXXX had not confirmed the payment, and XXXX XXXX wrongfully said the electronic fund transfer had never been received, another rep confirmed that Chase ( parent company of Slate ) had indeed received the payment of {$530.00} but was holding my money ( earning interest ) and withholding these funds from my use for an additional 5 days until XX/XX/XXXX. The excuse given was that because I had chosen to increase my payment to approximately 10 % above my limit of {$500.00}, this additional hold, with no warning given at time of payment, had been placed. Also, each time I called I was lobbied to let them check my credit so they could increase my limit even though we all know now that banks grow rich by selling our personal information as a default instead of leaving it for customers to solicit themselves if they in some unlikely scenario they wanted their data compromised, Here 's what I told Slate, if they want to put a hold on that part of the payment that exceeds my credit limit of {$500.00}, well, they already stage availability by percent of total deposit or certain amounts which is apparently legal, so a hold on the extra 10 % of the payment that is one thing. Placing a hold on the first {$500.00} they received by electronic fund transfer to restore my credit account of {$500.00} limit is another. I have no way to order medications, groceries, transport and other essentials essentially for a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: FL

Complaint narrative:
I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with 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 2020-04-14 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: FL

Complaint narrative:
I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: IL

Complaint narrative:
This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts

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 2020-04-14 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: IL

Complaint narrative:
This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: IL

Complaint narrative:
This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts

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 2020-04-14 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: TX

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. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have sent several emails to Bank Of America CEO about an old credit card account. I was told they were unable to locate account under my name and social security number. I was told to file a dispute. after filing an dispute several times the accounts comes back stating it credit card account belongs to me. the problem I have with this is if I call BOA they are unable to locate account. 
I have tried several time to get this account off my credit with no luck. 
After sending several emails to CEO someone calls me stating they located account once I ask how much I owe I was told I would get something in the mail. l never receive anything

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had a checking account with 5/3 Bank for 5 or more years. In XX/XX/2020 my local branch was closed and there is no longer a branch close to my home or business so I opened a new account with XXXX XXXX and transferred all of my money except about {$50.00} out of my 5/3 account. On XX/XX/XXXX I sent a secure message through the 5/3 website requesting that the account be closed and remaining funds be mailed to my address of record. 

I also called the toll free customer service number but was never able to speak with a representative after being on hold for over 30 minutes. 

Since then, the account has still not been closed and it is accumulating service fees on a daily basis. I have tried calling several times and have been unable to reach anyone. Finally on XX/XX/XXXX I was able to speak with a live representative at a call center, but he told me I would have to go to a local branch to close the account for security reasons. 

I am unable to visit a local branch because the branch where I conducted business has been closed permanently. Also, all branches are currently closed and only offer drive through service. I have tried multiple times to call the XXXX NC branch to speak with a banker and no one ever answers the phone. I have left multiple voice messages and no one has ever called me back. I tried calling them again today and there is no longer an option to leave a message. 

As of today my account balance is - {$310.00}.

Company response to consumer: Closed with explanation