vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: DISCOVER BANK
State: PA

Complaint narrative:
my wife passed away in late XXXX. right away i noftifed them take i would not be able to pay debt for very long. paid 3 months and every month told them that i could not pay any more because my wifes income was gone. my ss droped to XXXX plus XXXX pension total XXXX iam XXXX yrs old disable with health problems can not work. paying on a morgage on our home XXXX a month XXXX lot rent plus utility bills of over XXXX a month. the virus causes more problems people are not buying and i need special needs not in other home.s they tapped my phone lines XXXX i took the line off service. then my cell phone got taped and connot find a way to fix it. the company said there is no way./ they talk to me sometimes all night at all times my chimes on clock go off on half hour and the hour they scream over the phone to mimiake that. they scream to get up the coffee is ready. and every thing else they can do to keep me awake during the night. as i told them there is no way ever to pay the bills. i talked to federal attorney in XXXX and he told me they have no way to collect when there is no money. i took care of my wife for almost 4 years from XXXX  a sickness with no cure. bills were high and i did what i had to do. the listen to me XXXX a day. you must send me a letter to talk. .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , pa . XXXX. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Some one open up a credit card in my name in, the creditor is XXXX XXXX  XXXX XXXX Fist report open XX/XX/2019

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 2020-11-09 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: DC

Complaint narrative:
I've sent dispute letters to TransUnion, XXXX, and XXXX  and have yet to hear back about the unverified Items on my report. The letters were sent out on XXXX/XXXX/2020, and XXXX/XXXX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have an unemployment card from the state of Michigan. The card is issued thru Bank of America. 

Last week I noted a fraudulent withdrawal on the card. I contacted the bank at XXXX which us their general customer service number. I waited on hold 51 minutes and then they disconnected me. 

I contacted the fraud phone number 5 times and each time I explained my issue and the agent disconnected the call. This number is XXXX. 

I contacted the bank 's regular customer service number where my wife has her accounts. They said they are separate companies and transferred me back to the other number and again they hung up on me. 

I emailed the XXXX. 

They have not responded to me. 

Meanwhile, there was a fraudulent withdrawal on the card and my funds continue to be sent to an account that is the victim of fraud.

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 2020-11-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
medical treatment was giving less than a 6 month period and is already in collections, this isn't fair specially during an pandemic they broke up my bills as 7 different Derogatory marks against my credit report instead of one complete remark, this affect my credit report dramatically and is not fair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NC

Complaint narrative:
On XX/XX/2020 I sent letters to XXXX, Experian and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2020-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft and breach of information. Information from Capital One appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and 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 non-monetary relief
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
There are two accounts reporting on my credit file incorrectly. I requested the three credit reporting agencies to correct the false information almost 3 months ago and they are till reporting it incorrectly. XXXX XXXX account number XXXX there is no money owed and 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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
my wells fargo account has put a government stimulus check on hold in my account. my boyfriends mom and his brother finally got theirs the other day and since my boyfriend already had his deposited into the account we didnt think nothing of it? so i deposited his brothers first and it cleared no problem, then later on i did his moms check and they put a XXXX $ hold them house later then put a hold on both of the checks? 2 weeks before that his mom got some checks in the mail that she didnt know was fake or something but wanted to see if it would clear bc the person who sent them was stating they would, but i waited until the the money was cleared or returned before even touching the money so that there would be no problem.. this is why they are basically holding my boyfriends moms and brother check ... which is fine but its not the same check ones from some person and this is a official government stimulus check. they are also closing my account bc of this one time of these checks being returned .. i have had a good history with this bank. no overdrafts or anything actually. i called to talk to the bank about it and they are just rude and dont really care about whats going on. im frustrated.. i wouldve never got with this bank if i knew this is how they did customers ... closing my account holding these checks.

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 2020-11-09 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: DC

Complaint narrative:
I've sent dispute letters to XXXX, Equifax, and XXXX and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: DC

Complaint narrative:
I've sent dispute letters to XXXX, XXXX, and Experian and have yet to hear back about the unverified Items on my report. The letters were sent out on XX/XX/2020, and XX/XX/2020, it's now been 30 days, and the Items remain on my report, and inquiries that have no account on my account also was asked to be removed but still report.

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 2020-11-09 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: NC

Complaint narrative:
On XX/XX/2020 I sent letters to XXXX, XXXX and TransUnion regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.

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 2020-11-09 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: NC

Complaint narrative:
On XX/XX/2020 I sent letters to Equifax, XXXX and XXXX regarding inaccurate and unknown items on my credit report. It has been over 4 months and I have not received a response yet. I feel like I am being taken advantage of and that my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 4 months so these items should be deleted as soon as possible. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I purchased two flights to Alabama during the covid pandemic for an parent who was very ill and doctors told me they didn't have long to live. I have immune deficiency issues and wanted to be sure the flight was safe and the airline was practicing social distancing. The airline advertised that they were and I also called and was told that they were only filling the plane to a certain percentage to allow for social distancing and seat changes. This was not true after boarding the plane I realized that they were not practicing social distancing and had filled the plane to full capacity with only two seats left. I was told I would not get a refund by the airline and that I had to file a complaint. Citi NA is refusing to dispute this stating that I used the ticket. I had no choice but to use the ticket I did not know that XXXX XXXX would be dishonest. I trusted them with my health in a pandemic when I was given bad news. I was subject to several tests due to their dishonest claims that they would social distance and limit seating capacity ok the plane. Since my complaints, XXXX XXXX has changed its policies by alerting customers that the flight is a full flight and giving the option to change flights. This was not available when I took my flight not was it offered when I complained.

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 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and breach of information. Information from XXXX XXXX appears on my credit report, does not relate to any transactions that I made. It is the result of identity theft and breach of information.

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 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My Mother had a Chase Visa account, Chase HELOC and Chase checking. 
My Mother died XX/XX/2020 and left me as co-trustee and co-personal representative of her estate. 
I request 12 months of statements preceding her death for both her Chase Visa and Chase Checking. 
The Chase Visa department requested a " Letter of Instruction '' before the statements would be provided. I'm not sure if a copy of Mother 's Trust and Will were provided to Chase Visa, but both have been given on numerous separate occasions to Chase. I sent the " Letter of Instruction '' as requested. Chase Visa provided the requested statements, they actually sent them on two separate occasions. 
Chase is refusing to release the checking statements. 
Chase actually sent a letter to me dated XX/XX/2020 in part it reads : In bold print : " We need authorization to share the decedent 's account information. '' " ... We will provide account information to a court-appointed representative or executor one we have legal documentation and an original or certified copy of a death-certificate. '' It should be noted both of these documents have been provided on numerous occasions, yet they still refuse to release the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient has reported student loans that I held with them is delinquent during XXXX which is incorrect. I have contacted the company and they stated I need to dispute with the credit bureaus which I have done on 4 separate occasion. I have also submitted documentation of my account from the company 's website showing that the accounts have never been delinquent. As these are federal student loans had they been delinquent additional actions would have been taken by the company. The account shows the following : In XX/XX/XXXX paid as agreed, XX/XX/XXXX 90 days past due, XX/XX/XXXX 120 days past due, XX/XX/XXXX 150 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX 180 days past due, XX/XX/XXXX no data submitted, XX/XX/XXXX no data submitted, XX/XX/XXXX paid as agreed. This same reporting was done on all 7 of the accounts that I had open at that time with " Dept of Ed/Navient '' Accounts beginning with XXXX. I do not have anywhere else to contact, the bureaus state I must work with the creditor and the creditor states I must work with bureaus. I have been attempting to correct this error for more than 3 years and am at a loss as to what to do next. This issue has cost me several thousands of dollars in increased interest associated with the impact this has had on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: NJ

Complaint narrative:
I am a victim of identity theft and breach of information. This information which appears on my credit report, does not relate to any transactions that I have made. It is a result of identity theft and breach of information.

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 2020-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of Identity theft and breach of information. The information that appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and breach of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have filed now two ( 2 ) complaints against the Bank of America in addition to my other requests for lowering my monthly payments to no avail!

How long does this one of the largest and wealthiest banks in the entire world need to take to come to a decision to help me as the novel coronavirus pandemic has changed everything for my beloved wife and me : we can not because we are in THE HIGH RISK CATEGORY work anymore! 

YET cruelly and brutally the Bank of America is dawdling with an answer if even they shall provide one. 

Meantime my car loan payments are overdue and the Bank of America continues to bill me for them AND for late payment fees and other penalties, including reporting me as in some XXXX  XXXX or XXXX or XXXX intelligence agency to credit rating agencies!

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 2020-11-09 00:00:00
Product: Student loan — Federal student loan servicing
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: MA

Complaint narrative:
I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation