vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX I noticed that I had a pending/hold on my Bank of America in the amount of XXXX. I called the customer service number and was told that I needed to go into a Financial center with XXXX forms of ID, to confirm my identity. On XX/XX/XXXX I went into the BoA financial center on XXXX XXXX. XXXXXXXX XXXX. I took in my drivers license and birth certificate. The representative tried to be helpful, she was equally confused as when she called the corporate number, no one could properly explain why my account was frozen. She was informed that she needed to email a particular individual to inquire about my accounts. She requested her manager to verify that she was indeed supposed to do so. They looked up the email given and it was verified that it was a BoA staff member. She emailed and was promptly emailed back asking if she could take a call. The individual called and spoke to the local representative. They did ask what was the source of my income was. I explained that I received international transfers for child support, and I was XXXX for others. They did not give any explanation and said that I should expect a call or email from them. That there was nothing that they could tell me. I have called several times trying to find out what I could do to rectify this situation. I have been repeatedly been told that there is nothing that I could do. I simply had to wait. Each time I was read a scripted response, that they could not tell me anything. I recently started a LLC with a partner that was focused on buying properties through the tax sales, and rehabbing homes that were in distress. The week prior to this issue we spent XXXX in the XXXX XXXX XXXX XXXX, and a additional XXXX in the XXXX XXXX XXXX XXXX. Those successful bids had to be paid for by the end of business by certified check or cash. We utilized both as we were not certain of the exact amount of our successful bids until the time to pay. I am very concerned that a financial intuition has overstepped their bounds by questioning how or what our business does. It is not illegal to buy property at a tax sale. Those sales are held by our local governments. As of now all my personal and businesses are frozen. I have not received notice from the bank. Nor has my business partner.

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 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Im being garnished by LVNV FUNDING LLC, I didnt receive any information for the state of XXXX who allowed the garnishment, I found out because my job sent a letter about the garnishment. I dont live in XXXX but work there im. Im just trying to understand why I was notified and how XXXX can approve garnishment when I dont live in XXXX anymore. I got a default judgement because I wasnt notified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
I provide several letters, police report, and signed affidavit stating that this account in not mine. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. Despite XXXX written requests, the unverified item listed below still remain on my credit report in violation of XXXXderal Law. Under the FCRA Discover provided no copies of the original documentation on file to verify that this information is mine and is correct. They stated an electronic application was conducted and they provide credit card statements which does not validate debts, especially when the account was established fraudulently. I requested a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), which they failed to do. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: LA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: OK

Complaint narrative:
I have called multiple times from XX/XX/2021 thru XX/XX/2021 to make a payment. I can not reach a live person. When I try to make the payment it keeps kicking my off and now they have added multiple late fees. Sallie Mae is the absolute worst company I have every in my life dealt with. I do not know what I need to do at this point because I can not speak to anyone. I was on hold for over an hour and never got anywhere!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Today  ( XX/XX/2021 ) at XXXX XXXX I received a call from Chase stating that due to my on-time payments, I was chosen as a customer to lower my Interest rate. I was asked my credit card number and expiration date, name, date of birth, and mailing address. As they informed me of my recent payments and current credit card balance, I assumed they were legit. I continued on call until they forwarded me to a XXXX representative called XXXX XXXX who stated that because they were the back for my credit cards, they would be able to lower my interest rates. They asked for my last four SSN digits and my moms last name. I dont know why I gave it to them, but I did not finish the transaction and gave them the excuse to call later. I immediately called all my credit cards and asked to receive new ones with new numbers. After this, I received phone calls from other suspicious numbers. The phone numbers I received today are : XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: LA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, XXXX being 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.

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 2021-11-29 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: CA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that 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 hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Response to Complaint XXXX In our phone conversation, XXXX XXXX of Wells Fargo lied that she did not receive my voicemails, she knows XXXX well I called and left voicemails for over a week trying to reach her, she only called after upon me filing rejection notice here with CFPB. She advises me to contact XXXX and when I do, XXXX tells me Wells Fargo owes me a XXXX Character Payment ID that starts with " XXXX ''. Moreover, the Wells Fargo App and Wells Fargo website states the person who scammed me is unregistered with XXXX ( see attached ) the request to return my funds to this same person does not go through! ( see attached ) To make matters worse, I requested to speak to a Wells Fargo supervisor in the claims department regarding this matter on XX/XX/2021 and the phone rep was promised a callback. I *never* received a callback, where is the callback? this is outrageous negligence and how dare you upload my checking statement to the public without blacking out my highly personal transactions and personal routine and without my consent.

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 2021-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was Nelnet, so I called Nelnet today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to Great Lakes. So I called Great Lakes and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( XXXX and XXXX ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: DISCOVER BANK
State: CA

Complaint narrative:
Recently I was notified through a credit reporting agency that my credit score was decreased significantly due to a credit line decrease on my Discover card. I immediately called the company for an explanation, that department was closed. I requested a line increase and was denied. I waited until Monday and spoke to a representative and their supervisor who both told me that my line was decreased due to a recent review of my credit line and I was notified via my preferences selected on my account which are paperless ( email ). I do get all other communications through email and check my email multiple times a day. I was told that to dispute this decrease or ask for a reinstatement I would have had to call back within 30 days of the decrease however I was a couple days short of this and they could not do anything to help me. I asked multiple times where this message was, I did not receive it. It is not in my email, not in my written mail or in my message center on the Discover app. I asked for confirmation that it was sent and they could not provide it. It is a law that I was provided this information, I would have liked to fairly fought for my credit line and my credit score. I was told the best they could do was to resend the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigationXXXX  and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Santander requested that I provide documentation of inaccuracies and requested proof while stating that they were not going to change information. I believe that they have retaliated against me as I have made a complaint concerning inaccuracies in my account. They have asked for information that they had in their system ( as to payments pushed back to the end of the loan ) and have submitted 30 and 60 days delinquent payment. This company has been manipulating data for the past two months to try to make their reporting better when the documentation that I am providing speaks for itself. I have their payments transaction confirmations and signed extension forms. They have not addressed the team members that have not been professional and they have condone the harmful behavior that has an impact on families. I would like a real resolution and not something that has been pushed under the rug. Like correct the mistake that your team has made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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:
A debt has been reported to credit bureau Experian as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for Experian to remove this from my credit report since its impacting me badly. 

Also, I need to make XXXX and XXXX aware because I believe this will be reported as well at some point.

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 2021-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I applied for a program that im more than qualified for to lower my monthly payments. XXXX XXXX in XXXX and current have bills that is more than I make. I called Sallie Mae and spoke to a women who gave me XXXX options I chose a option to lower my monthly payment and interest. She took a {$50.00} payment and setup XXXX additional payment arrangement. A week later im getting emailed by these XXXX XXXX again saying im denied. I want the plan I applied for. XXXX unemployed due to XXXX and will not be making any payments on this account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation