vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-11 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: MD

Complaint narrative:
I have sent multiple disputes asking Transunion asking them to verify of immediately remove this collection from XXXX XXXX from my credit report that I have no knowledge of. During my second attempt that was submitted on XX/XX/2020 they never sent me any notice whether it was verified or removed so I signed up for their subscription that showed they updated the account on XX/XX/2020 just days later without any full investigation. I have sent notarized letters asking numerous times along with a copy of my driver 's license and social security card. XXXX and XXXX has removed this account.

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 2020-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
It all started after I closed my account with XXXX wireless on XX/XX/XXXX Ive been receiving emails and letters and calls from a debt collection agency called sequium asset solutions. I tried calling this company and XXXX bud never to get through to anyone. They never answer their phones so I assumed it was false or scammers. I was under the impression that it wasnt real because I contacted XXXX months ago back in XXXX and I was assure that I should ignore it and my credit would not be ruined by them. After I closed out my account the XXXX XXXX assured me my account would be zeroed out and I have no financial obligations to XXXX being that I did not have a contract with them I brought over my own phone and I was on a month to month plan. The reason I closed my account was because from the date of XXXX XXXX XX/XX/XXXX of closing my account it has been nothing but a mess I could not access my phone I could make or receive calls I had zero data usage where I can show proof of and not only that an agent took it upon his/herself to upgrade my plan to a more expensive one because they thought it would be better for me and better data usage so I was credited {$40.00} for the inconvenience. From them I was not comfortable keep this account open. I should noticed when they threaten to send my account to debt collectors and  ruin my credit when I was in good standing with them when it was the company who was at fault the entire time I was in full compliance with them. I have proof to show the hours on the phone with them and emails and constantly contacting them. I was even sent emails saying that I never used my line upon opening the account with them. Any how I was told by the agent that I should ignore the monthly bills and letters because XXXX was in the wrong and the account is close theyre should be no active bill. So Im utterly confused as in to why they ruin my credit and sold my information wrongfully to a debt collection agency who dont even have the decency to answer their phone. This is not right I was even told legal actions will be taken against me if I dont pay off the debt. This is downright outrageous! Whats even worst is XXXX refusing to speak with me about the matter at hand. After ruining my credit. All of this was occurring during the Covid-19 pandemic at a time where Im supposed to focused on the safety of my family and myself this occurred? Great job XXXX and Sequium Asset Solutions!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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 — Problem with personal statement of dispute
Company: VW Credit
State: FL

Complaint narrative:
On or about XX/XX/2020 I submitted the following letter along with statement attachments to Volkswagen Credit : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to Volkswagen Credit. This is a structural attempt to discredit me and my credit history by XXXX XXXX and Volkswagen Credit. XXXX XXXX submitted four credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-11 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: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I obtained a loan during the first financial crisis in 2007 for my first mortgage. It was a predatory loan, I was told I needed a primary loan ( 1st ) and a line of credit ( 2nd ) for 100 % financing option. I had the loan since 2007 with no issues. Although I know this was a predatory loan with an super high interest rate, I wanted to keep to my commitment and agreement so I did not challenge any of the circumstances. The loan was sold off several times until I was in the hands of Specialized Loan Servicing. I received a notice from Specialized Loan Servicing that my payments will be going from interest only to principal & Interest and that they wanted me to sign a " modification '' so I can only be on interest only. I thought this was only beneficial to Specialized Loan Servicing and after 10 years of paying Interest only as agreed, I was excited to see my principle go down so I declined this offer they Specialized Loan Servicing Sent to my house almost every week. ( They were sending me certify mail with A Pre Approval almost every week ). I received a credit notice from my bank for a negative credit inquiry which was shocking. Specialized Loan Servicing reported to the Credit Agency. I have never had a late payment my whole adult life and now all of the sudden I had 31 which was mind blowing. My credit was ruined. I called Specialized Loan Servicing and was told essentially that this was due to me not signing the modification. I asked for help and was diverted from any type of assistance that would help me. I asked for the original documents I signed so i can review the terms or have an attorney review them and til this day I have received nothing. I pleaded for direct help over and over again with someone in leadership who can help me and was denied. I offered to show bank Statements with proof of payments made to them and was not helped. I asked more then a dozen times to speak to a manager who can help me. I wanted to meet my obligation for my debt and get a clear understanding of what was and has happened and was denied this bare ask from Specialized Loan Servicing. 
This was an extreme retaliatory doing by Specialized Loan Servicing for not taking the offer they gave me in paying interest only to principle & Interest payments. They ruined my credit and attached 31 late payments to my credit report. Please Help Me!

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 2020-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SLM CORPORATION
State: FL

Complaint narrative:
Did not inquire any information to this student loan company and they put Hard Inquires on my credit report. this is causing my credit score to drop significantly and making things harder for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have some personal information on my credit report which has been mixed up with my father who is now deceased. I called but didn't get help with this matter from the representative. Enclosed is a document that displays the proper spelling of my name and address. Any other spellings are incorrect.

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 2020-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I called into US Bank to open a new account on XX/XX/XXXX. The E consent form emailed to me stated that I had 30 days to sign the form. When I tried to transfer funds I needed yesterday the mobile app did not allow me to do so on XX/XX/XXXX. I called into the bank and was told that there was a hold on the account for e sign to be completed. As I stated before the us bank app was not allowing me to do that process on my mobile device so I haggled with customer service with the matter and just asked for the account to be closed and the funds to be returned to the original account which the bank and its supervisor refused to do. I am in complete confusion as to how a bank can not close an account or should I say blatantly refuses to close the account. 

I went as far as to go home to my desktop computer I followed the steps listed and now the us bank site is once again having continued issues and wont even allow me to e sign the document to have access to the account and the funds therein. I am attaching the screenshots showing the continued US BANK problems. This is freaking ridiculous I will be closing both accounts next month this is some complete XXXX  XXXX. They refuse to close the account and are restricting access to the account and refuse to transfer me to supervisors when I called into the bank and asked for a supervisor some rude chick on the phone tried to start an argument and then transferred me back to the customer relations and they refused to transfer me to a supervisor, XXXX refused to transfer me a supervisor claiming it was saturday and that no one was available and they had limited supervisors and claimed she was being honest with me. 

UNACCEPTABLE NASTY CUSTOMER SERVICE ON A CONTINUED BASIS. I WILL BE CLOSING ALL ACCOUNTS AND NEVER DOING BUSINESS WITH US BANK AGAIN. HOW THE HECK CAN YOU REFUSE TO CLOSE AN ACCOUNT, DENY ACCESS TO AN ACCOUNT, REFUSE TO ALLOW ME TO E SIGN THE ACCOUNT WHICH WAS SUPPOSED TO ALLEGEDLY RELEASE THE HOLD ON THE ACCOUNT AND THEN GET TWO REPS BACK TO BACK WITH NASTY ATTITUDES REFUSING TO TRANSFER ME TO A SUPERVISOR AND PUTTING BLAME ON ME FOR THEIR FREAKING NASTY SERVICE IN ALL ASPECTS. UNBELIEVABLE. I HOPE THEY GET CITED FOR THIS FRAUDULENT BEHAVIOR AND HAVE TO PAY MILLIONS TO CONSUMERS LIKE XXXX XXXX HAS HAD TO DO FOR THE SAME TYPE OF UNETHICAL ILLEGAL BANKING EXPERIENCES.

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 2020-07-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/2020 I submitted the following letter along with statement attachments to XXXX XXXX : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to XXXX XXXX. This is a structural attempt to discredit me and my credit history by XXXX XXXX and XXXX XXXX. XXXX XXXX submitted XXXX credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Hello, I received a threatening letter from Transworld Systems INC stating my loan from XXXX XXXX XXXX XXXX XXXX has gone to collection. They stated that I have to pay them in full. Will not setup monthly payments.The interest rate is to high and the debt is more than the loan original amount and I was making payments. The interest is {$4000.00}. The original loan amt {$10000.00}. The amt due {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I requested credit freezes on my credit approximately 6 months ago following attempted fraud involving my social security number. Today, XX/XX/2020 is my third time period ( different months ) experiencing the same exact problems with Experian 's online and phone processes for temporarily unfreezing my credit following phone and internet requests by me to temporarily unfreeze my credit so that I may apply for credit. Supposedly, a temporary unfreezing of my account can be implemented with an hour of my request ; however, Experians process takes me weeks every time. The past two time periods that I attempted to temporarily unfreeze my credit, I had issues with Experian 's phone and online request processes ; ultimately requiring hours of my time and multiple weeks to resolve. 
Experian 's resolution each time, without explanation or justification or future resolution, was for me to send my private and personal information, again, and eventually, weeks later, recieving a pin to temporarily unfreeze my credit report. They have not offered to fix this issue or even provided a resource within their organization that can troublshoot the repeated falure of their processes that do not allow me to immediately and temporarily unfreeze my credit. I am unable to get live support from anyone who can explain why I must submit, by mail, all my private and personal information, to wait, for mail again, for yet another new pin each and every time I request a temporary unfreezing of my credit. My understanding is that I should be able to unfreeze my credit, temporarily, within an hour of my online or phone request ; 24 hours would be managable. Three weeks is detrimential to my personal and professionally finances having potential to jepordize my livelyhood. Any assistance getting immediate and qualified Experian live help to resolve this once and for all is my goa ; Please Help! 

Frustrated, Aggravated and Anxious, 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 2020-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have some personal information on my credit report which has been mixed up with my father who is now deceased. I called but didn't get help with this matter from the representative. Enclosed is a document that displays the proper spelling of my name and address. Any other spellings are incorrect.

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 2020-07-11 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: Paypal Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/XXXX at XXXX EST. I looked at my Email and i got one from PayPal saying I sent someone by the name of XXXX XXXX {$1000.00} via my bank account. I immediately changed my password and added 2FA on my account. And then once I was done that I contacted PayPal support team and told them it was unauthorized activity but they denied my claim and said there was no unauthorized activity on my account that day. I asked them what they do to determine if the account had unauthorized activity or not and they completely dived the question. I opened a case for unauthorized activity and almost immediately they denied it and said there was no unauthorized activity. Ive been talking with them for the past 10 days and they wont help at all. Im just trying to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Loan XXXX for Webster Bank. We switched banks from XXXX  XXXX XXXX ( XXXX ) to XXXX and our autopayment was not processed by XXXX before the account was closed, despite being scheduled. The Bank Offices was CLOSED DUE TO COVID and appointment only and waiting list was 3 weeks. We scheduled asap as we could not see our account online. I have set up electronic notifications with WEBSTER and they are claiming the MAILED the late notice to my address. Not only did i not receive it via mail but they did NOT email it per my set up on their system. Now they are reporting 30 day past due on our account, reducing our score by 100 points. We called and explained this was a COVID related issue and have not been late in over 14 years and they REFUSE to assist. Ridiculous in this environment to ruin someone's credit due to COVID issues. ATTACHED MY ACCOUNT DETAILS THAT CLEARLY SHOWS EDELIVERY AND THEY SAID THEY MAILED THIS DURING COVID WHEN MAIL IS DELAYED. NOT FIRST TIME THEY CLAIM THEY MAILED NOTICE AND DID NOT RECIEVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: AES/PHEAA
State: SC

Complaint narrative:
My student loans were reported delinquent on 90 and 120 days in XXXX of XXXX and XX/XX/XXXX. During tjis time my loans were on forbearance. As a reault my credit score dropped over 100 points. 

I contacted fed loan servicing and was told to send in the dispute form which I did roughly a month ago. My credit report was just updated and I was notified my dispute was closed, but the false negative reporting still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Back in XXXX of 2020, I sent a letter requesting more and certain info about this debt. The company did not send all info requested. I sent another letter in XX/XX/2020 requesting this info again and stated that if not received within 30 days, they must remove from my credit report. They never responded and I filed a dispute on XXXX  and they did not even look at the letter I sent them nor did they remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
Good morning, I currently have a prepaid card with Way2Go Card ( goprogram ) to receive my unemployment benefits and I keep getting charged for fees that I should not be charged with based on their terms and conditions. The two issues that I am having are the following : 1. Customer Service Information ( automated or live agent ) : According to their terms and conditions " you are allowed ( 5 )  calls to Customer Service Interactive Voice Response ( IVR ) or live agent for no fee each month to check your balance or hear your transaction history. However, in XXXX I only called one time and they charged me. In XXXX I called 3 times and they charged me and in XXXX I have called once and they already charged me. 

2. Funds transfer via Interactive Voice Response ( IVR-phone ) or web portal : According to their terms and conditions " There is no fee for you to transfer funds from your card account to a XXXX XXXX   account owned by you. I made a transfer today ( XXXX/XXXX/20 ) and I was charged by goprogram ( not my bank ) {$2.00}. However, I transferred money to the same account on XXXX/XXXX/20 and I was not charged, which I shouldn't because that account is under my name. My daughter also transferred money yesterday to the same bank and did not get charged by goprogram. 

3. Change in terms : The terms and conditions state that " We may change ( add to, delete or amend ) these terms at any time by providing you with prior notice of the change as required by law ''. However, I have not received any notification of changes. Also, you can access the terms and conditions when you access your account on their website ( www.goprogram.com ) and they have not changed. 

4. I have tried calling their line to speak to somebody about this issue and get a refund but there is no option to speak to a live agent or to send a message on line. Another problem is that every time I try to call I automatic get my balance without asking for it and it counts as one of the five calls that you can make for free every month. 

I have a feeling that this is happening to a lot of people and is not fair and is also illegal. I would appreciate if you can please help me! 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a dispute for {$520.00} and {$140.00}. 
My visa card was charged outside of USA for this two amounts.Without my permission. 
I supplied all the paperwork supporting the dispute. 
The answer from Visa was that they unfortunately can not help me. 
I called visa, they still did not help.Visa credit card does not support the customers. 
This is already a fourth time that this happened to me with Visa credit card.

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