vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
In early XXXX i tried using my Way2Go card ( child support ) after not having previously used for a month and it was declined. Which led me to check my transaction history and balance. To my surprise there was a XXXX balance. Mind you, there was {$800.00} that i had expected to be on my account due to not havent had used this card for a month. I immediately called customer service and opened a fraud claim. They gave me a claim number and proceeded to send some paperwork in mail. I received the paperwork in about a week. I immediately filled it out with transactions that did not belong to me. Which were all overseas in the XXXX to a merchant named XXXX another called XXXX XXXX. I noted exact dates from when these companies received payments from my account. A total of {$800.00}. Customer rep told me they would credit my account after 10 days after they received paperwork. A month later i called them since no credit was made to my Account and they stated it was still under investigation. I waited 2 more weeks and called today and they said it was denied and claim was closed. I am begging for some help in reopening this claim. I have two small children and in a middle of a pandemic i do not have enough income coming in. {$800.00} that was taken from my account is crucial for my children right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america closed my XXXX debit card and I still have money on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by theXX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-30 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

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 2020-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I received an auto loan with Nissan motor Acceptance in XXXX and the vehicle was repossessed in XXXX. I had submitted a payment for the full amount that was past due a few days before the incident using a payment service named XXXX. In the state of Texas you arent supposed to be charge a fee for making an auto payment however they charged me almost {$10.00} for each payment via phone payment with NMAC. The easiest and cheapest way was just to pay through XXXX, however there was a 2 day lag. Nissan received the payment and it was posted to the account. The following day they repossessed my vehicle. I had thought it was stolen since I had paid via XXXX XXXX. Getting someone at Nissan to investigate was like pulling teeth. Finally I had an manager literally tell me that it is " NOT THEIR JOB TO LOOK AT ACCOUNTS DAILY. '' I now work in the auto servicing arena and know that if I was current at the date the repossession was done they have to return the unit. I requested a copy of all the transactions via email and they stated that it would take at least 3wks to get and my car would have been sold at auction by then. This letter was called a 901 letter which would have probably been automatically generated. I then tried to get my stuff from the car and they stated I would have to pay a fee. I have pearl earrings, pearl necklace, my passport, ( which is federal property ) leather boots, and other valuables. XXXX XXXX XXXX XXXX was the place where I tried to schedule an appointment but I would have to pay storage fees and a pick up item fee in order to get my stuff. My dad finally decided to get my car. By this time it had been moved to the auction. I was unaware they had moved it there or taken my stuff. We finally redeemed the vehicle. As soon as I found out that my stuff was no longer in the car I called XXXX XXXX XXXX XXXX and they said my stuff had already been disposed of. We paid over XXXX to get the car and they never gave me my stuff back. On top off all this for years they carried a XXXX dollar balance reporting that I never paid them in full which damaged my credit. I knew what they did was wrong and illegal! I read the class action lawsuit that was made in XXXX! I could not believe it was verbatim what I went through with Nissan and at the same time. SHAME ON YOU NISSAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/20 Wells Fargo Bank. Employee for the bank in research remediation. The call came in as everyday banking. The caller is a customer of Wells Fargo. She did allege her problem was with XXXX charging her bank account for over a year. Caller gave her debit card and account information to roommate. Roommate left her residence and caller was paying XXXX bill which was the roommate bill. 

Quality Assurance reviewed the account gave me a low score for quality. Quality assurance resolution was to put stop payments on the charges. The caller had various amounts of charges from XXXX. 

The stop payments fee is {$31.00} per stop payment. Since they were various amounts the stop payments could result in excessive fees. The caller said she had been trying to stop the payment for a year - was it 1 year with Wells Fargo Bank. If Wells Fargo was filing claims and cases were these never resolved for the behalf of the customer. {$31.00} for each stop payment and many charges from XXXX are financial injury. My Request is to address the Questionable Quality Assurance department on these calls. Some resolutions are replace debit card, get previous claims and cases from Wells Fargo and find out why nothing had been done.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.

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 2020-12-30 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: FL

Complaint narrative:
I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have struggled during this pandemic, however still made very attempt to make my monthly payments and even paid off my account on XX/XX/XXXX. As we are in a pandemic at this time, lowes has found a way to attempt to bring my credit score down by decreasing my credit from {$2000.00} to {$100.00} and even stated I owed money on my account when I actually paid the entire balance off to put me in a delinquent state. This creditor has no respect for a customer and I have not even received any information via mail, email or text for that matter regarding this situation. I called lowes on XX/XX/XXXX at XXXX ; XXXX because I received an email stating I had a payment due on XX/XX/XXXX and the is what prompted me to go online and see if there was a mistake regarding me owing a payment, but it wasn't and that is when I saw they had decreased my credit limit 90 %, which in my opinion I guess they should have just cancelled my account. I am currently unemployed but any money that I receive wether it is from the state or family and friends it pay toward my bills, and lowes has the nerve to be monitoring someones credit and decreasing my credit limit 90 %?? I think this company is not there to assist people but to put them in debt. I guess I should have just stayed in debt, because at least I would have on my credit report where the creditor drastically decreased my credit line, and during a pandemic at that? Who can help us and protect us from creditors who just want to penalize you for needing assistance?

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
on XX/XX/2020 I received an unemployment card at my home address. 
This card does not belong to myself or anyone in my household. I reached out to US Bank as that is who this reliacard is through, the person that I spoke with at US bank told me that this was a big scam that was going on with the unemployment cards right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

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 2020-12-30 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-30 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: FL

Complaint narrative:
I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXXXX/XX/XXXX XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXX XX/XX/XXXX, XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.

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 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-30 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: IL

Complaint narrative:
On XX/XX/20I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-30 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: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Companies responsible : XXXX GA XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX I have been told by my insurance that a EOB was sent regarding medical concerns from error in processing. When I originally was contacted I called and they advised to provide EOB as proof and disregard the attempts of debt collector. During this time period I had state insurance at the time and still presently do. I have email correspondence from XX/XX/XXXX, explaining that I have full coverage for my XXXX. However due to lack of proper care I XXXX XXXX  XXXX  in XX/XX/XXXX. 

They told me they mailed it out due to the stress and XXXX I requested another to assist with a resolution. I notice things on my credit report and tried to address it. When I requested it again due to Covid I was unable to obtain a copy for credit agencies. Now I have collection debt for being XXXX and having government insurance. I feel as though not only am I being harassed for a processing error. I am being humiliated for it, I XXXX XXXX XXXX and now my future is subject to this constant reminder. I just don't see why know one is responding nearly two years later going into XXXX and I am still forced to deal with this. Please take this seriously it was enough for me to go through it, to have this looming reminder is torture.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was going over my credit file and I just notice that there are over 20 inquires on my credit report. I did have a few new credit cards and they are fine. However, I never applied for any loans or business apps for the following companies : XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I do not have any accounts or any dealings with these companies please delete them at once. 
Fair Credit Reporting Act - Fair Credit Reporting Act ... 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] .Sec . 604. Permissible purposes of consumer reports Please send me any copies of my signature or something showing that I had submitted app because this is an obvious error.

Company response to consumer: Closed with explanation