vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: LA

Complaint narrative:
XX/XX/2020 To Whom It May Concern : My name is XXXX XXXX and I am the Social Security payee representative for my mother XXXX XXXX. After contacting Social Security that the XX/XX/2020 payment of {$750.00} was sent to my Direct Express card. I contacted both 1-800 customer service numbers for your company. I tried for two days to get a live person. I waited for hours only to be told that the account was suspended due to possible fraud or suspicious activity and that I would need to email my ID, and SS card to XXXX. The customer service agent seemed hurried and did not give me a chance to tell her that I lost my wallet with all my identification in it. I wanted to make sure that the documents I do have will suffice as evidence. I even attempted to create an online account but an error message keeps coming up stating, information you entered is incorrect. Making this such an inconvenience. 
Unfortunately, due to the Coronavirus COVID19 pandemic and having to keep my mother in a safe environment, I have had to relocate to different dwellings. Because of this delay in releasing my mothers funds we are now facing late fees for the rent, not being able to pay my mothers co-pay for her medication, and not being able to buy food or clothing. 
I am submitting documents from my Case Worker, for verification Mr. XXXX, Social Security Administration XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX ext XXXX and further documentation that I previously had obtained a Social Security card, but due to the pandemic am unable to obtain another one in person. The same for getting another ID/Drivers License, most offices are closed and employees are working remotely from home. Therefore, its limited in regards to time. This situation is of utmost URGENCY. 

I am respectfully requesting that you not only accept the documents I have attached, but please expedite this request so that we can take care of my mother. If I can be of further assistance, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX or ( XXXX ) XXXX. 
Thank you, XXXX XXXX for XXXX XXXX Attachments AFTER BEING ON HOLD FOR DAYS AND HOURS ON IN, DIRECT EXPRESS HAS NOTB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX injury surround this same period of time and was left in terrible condition after XXXX XXXX  XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. 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 explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I see multiple 30-60 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 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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: MI

Complaint narrative:
I put my XXXX  subscription on vacation, the customer representative for dish had no problem doing that for me I picked the time frame and he said I was all set. I go on vacation, while on vacation the person that was watching my house told me I received boxes from XXXX. When they opened them for me they found packing to send the XXXX  equipment back. When I contacted XXXX  the told me that they had canceled my subscription because I put it on vacation with out paying the current months bill which was not even due yet at that time. XXXX never contacted me to inform me of this before they canceled. Since it was canceled early they charged me a early termination fee which almost doubled my bill. Since I was not expecting that extra fees for something I did not ask for I was not able to pay the bill at that time so XXXX  sent it to collections. When collections contacted me I told them I was disputing this with XXXX  and was not going to pay them at that time. Several months later it appears on my credit report forcing me to pay it with out any notice or contact from XXXX  or the collections agency. I paid it immediately to XXXX. Then I asked collections to remove it from my credit report since I had paid XXXX  directly. They told me no, when I asked to speak to the department that handles there credit reporting they again told me no and that it was going to remain on my credit 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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In going through a divorce 12-13 years ago this debt became part of my credit report. Impossible for me to pay as I had a XXXX XXXX  surround this same period of time and was left in terrible condition after XXXX XXXX XXXX. The company must have sold the debt or something and now it appears to be a new debt but it is actually from 2008 not in the last year. Im hoping this can be removed as it will be 13 years next month. 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 explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I was on a trial modification with SPS back when covid hit. THey extended everyones payment dates and for a few months. I was able to make 2 of the 3 payments under this modification ( they always do a trial modification before a full modification ). I was not able to make the 3rd payment. It was due in XXXX. I was not able to make the payment in XXXX and I am not able to make this payment now. This is all due to covid. 

My daughter had a friend that was exposed to XXXX, so she had to quarantine for 2 weeks. As a result of this we had to as well. 

My wife was then later had a coworked exposed and then she had to quarantine and so did we all. 

I also had a coworker exposed to XXXX  and most of my company had to go home and quarantine for 2 weeks. 

We never contracted covid, but this 6 weeks has put us in a spot. 

I contacted SPS and went over all of this with them, and they did not offer any help or even try to see about pushing the payment out further. 

We can make the payment, just not now ( I offered to set this up for XXXX and they did not accept it. ). We are paying on our utilities to keep everything on. When you miss 6 weeks of work, it is hard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased plane tickets for my mother in XXXX with XXXX XXXX for travel in XX/XX/2020 to XXXX. XXXX canceled the flights and after much communication, they issue a refund for the New York - XXXX leg of the flight, however, they failed to issue a refund for the XXXX XXXX - XXXX leg of the trip. I opened a dispute with Chase on XX/XX/2020 XXXX Claim # XXXX XXXX and they incorrectly denied it as being authorized. I contacted Chase again on XX/XX/2020 and informed them that the transaction was indeed authorized, but that the issue was that XXXX XXXX  had not issued a refund and that they were not responding to my communications and another claim was open ( claim # XXXX XXXX. Today, XX/XX/2020, I wake up to see that the money of the dispute was once again removed from my account, ( overdrawing me ), and when I checked I see a letter saying that again, Chase had determined that the transition was authorized. This is ridiculous and unacceptable. XXXX XXXX is essentially stealing my money and my only recourse is Chase, and they don't want to help me. I called XXXX as I typed this message, and after waiting 30 minutes on the phone, they now claim that they don't have a record of this transaction, which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: GA

Complaint narrative:
Sent Transunion a dispute pertaining to public record on XX/XX/2020. 
Sent Transunion additional information about public record on XX/XX/2020 and that it should not be reported on credit report and deleted immediately. 
Transunion sent me a receipt letter on XX/XX/2020 stating that they received the dispute and additional information and that they would extend the investigation time and do a proper investigation. 
Transunion did not follow through and complete a proper investigation. 
Transunion stated that they verified a bankruptcy being reported on my credit report with USBK COURT XXXX GEORGIA with investigation results dated XX/XX/2020. 
I conducted my own investigation and found that the Bankruptcy Court does not furnish information to vendors and third parties about bankruptcies because doing so would require the courts to provide my full social security number which is against the law. 
The credit bureaus verify public records through XXXX a third-party furnisher and I have no public record of a bankruptcy being reported in XXXX. 
So, how is this bankruptcy verified when the courts does not furnish this information to vendors or third-parties?

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 2020-12-09 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: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please see attached detailed letter that documents events. The Company has not appropriately or timely attended to my several attempts to notify it of fraudulent use of the card. As of today, I am unclear on what is the status of my claim, nor even if it is being processed, due to a number of confounding and confusing communications and processes by the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: PNC Bank N.A.
State: PA

Complaint narrative:
1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 

2. On XX/XX/XXXX, I received an email from XXXX  XXXX  that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 

3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 

4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 

6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 

8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 

9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: GA

Complaint narrative:
Sent Transunion a dispute letter dated XX/XX/2020 requesting validation and proof of original contract with signature from original creditor of debt being reported on credit report. 

Sent Transunion a dispute letter dated XX/XX/2020 requesting that XXXX XXXX XXXX  XXXX account be deleted from credit report for not identifying original creditor name and phone number. 

Filed a CFPB complaint regarding dispute letters with the following dates not being answered too on XX/XX/2020. 

Transunion sent an receipt of CFPB complaint into dispute of account on XX/XX/2020 and stated that they would extend the investigation time and do a complete investigation. 

Received investigation results from Transunion on XX/XX/2020 stating that the account is verified and that it belongs to me. How is the account verified? How did you collect your information? What steps did you take to collect this information to verify it as accurate? Where is the original contract with my signature that validates this debt? 

By the Fair Credit Reporting Act it states that an original contract with a signature must be provided from the original creditor to validate a debt. 
Stating that a debt is a consumers without a signed contract does not verify the debt as the consumers. Any creditor can report a debt on a consumers credit report and say to the credit bureaus that it is the consumers. Where is the proof?

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 2020-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account with Capital One 360 savings and I have over {$2000.00} in the account and they will not release these funds to me or until it " aches '' to the state. Then I have to claim it from the state! I feel like because I have a fraud alert on my credit file because someone tried to use my identity not I them, and because a customer wrote me a bad check that they are punishing me for some reason and they should not be. 

Account Number XXXX Routing Number XXXX Balance as of XX/XX/2020 at XXXX XXXX  PST {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: Sensible Auto Lending, LLC
State: MA

Complaint narrative:
This account, sensible auto lending, is a charged off account that is reporting only in one bureau which is really inaccurate. The fact that it is only reported in a single bureau is really bothersome. Please help me get this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: MD

Complaint narrative:
I received a copy of my reports from the three ( 3 ) bureaus. Each lists a Bankruptcy in the state of Maryland. XXXX  and TransUnion list two ( 2 ) with two ( 2 ) different dates. I disputed the entries and provided a letter from the court and the Opt Out confirmation letter from XXXX. The three ( 3 ) bureaus all replied an investigation was completed and the information was verified. Although requested, none of the bureaus provided the name or contact information of the person who verified the accuracy of the entries. I contacted the Clerk of Court and the letter confirms no one there verifies anything for any of the three ( 3 ) bureaus. XXXX stated they received their information from XXXX. However, that isn't true because I opted out. All three ( 3 ) bureaus are illegally reporting this 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 2020-12-09 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: MD

Complaint narrative:
I received a copy of my reports from the three ( 3 ) bureaus. Each lists a Bankruptcy in the state of Maryland. Experian and XXXX list two ( 2 ) with two ( 2 ) different dates. I disputed the entries and provided a letter from the court and the Opt Out confirmation letter from XXXX. The three ( 3 ) bureaus all replied an investigation was completed and the information was verified. Although requested, none of the bureaus provided the name or contact information of the person who verified the accuracy of the entries. I contacted the Clerk of Court and the letter confirms no one there verifies anything for any of the three ( 3 ) bureaus. XXXX  stated they received their information from XXXX. However, that isn't true because I opted out. All three ( 3 ) bureaus are illegally reporting this 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 2020-12-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Was a student at XXXX XXXX in 2008 still have a private loan for XXXX went to school for two weeks it was never removed. School has been dissolved however my loan has not.

Company response to consumer: Closed with explanation