vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
After receiving an email alert from XXXX notifying me of a credit rating decrease, I logged onto my XXXX account and checked my credit report. To my surprise, my credit rating dropped a whopping XXXX points, from XXXX to XXXX. 

The reason for this was due to a collection agency named Sequium Asset Solutions whose listed address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia, XXXX, with a listed number of XXXX. Apparently, Sequium is a debt collection service who posted an XXXX XXXX XXXX XXXX debt to my credit report in the amount of {$1400.00}. The date of the debt is listed as XXXX, 2023. 

To be clear, I've never had, nor do I currently have, a mobility account with XXXX XXXX XXXX. 

After disputing the debt 's authenticity with XXXX I contacted Sequium Asset Solutions and spoke to a XXXX XXXX. He asked if I'd been alerted by email or regular mail regarding any outstanding debt and I told him no. XXXX XXXX then asked for my social security number, which I declined to give, offering instead the account number of the debt ( XXXX ) the company listed on my credit report so he could access the information. He then informed me he couldn't access the information by that number and again asked for my social security number, which I again declined, and after a few more minutes of dialogue it was obvious I wasn't going to get the matter resolved without providing my SSN, so I hung up. 

An online search of Sequium Asset Solutions revealed they're a debt collection service dealing primarily with telecommunication debts and have had several complaints, due, in large part, to inaccurate or unsubstantiated claims of indebtedness. Interestingly, the site I referenced lays claim to Sequium 's legitimacy even though many who've dealt with the company ( including myself ) believe them illegitimate. As I spoke with the gentleman over the phone, I could hear in the background several people talking simultaneously. 

Under no circumstances would I give a company I'm unfamiliar with or haven't done business with my Social Security number over the telephone. In my belief, any account information regarding a debt could - and should- have been accessed by Sequium 's own assigned account number. 

A XXXX point drop in my credit rating has the potential to damage my financial future, so I need to have the issue resolved immediately. Please investigate this matter with all expediency and diligence that I may again enjoy above average credit and have the debt removed immediately from my credit rating. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX of 2023, I sent a check valued at {$9400.00} from my funds drawn on XXXX XXXX XXXX ( XXXX ) which helped to arrange a HELOC for me with my mortgage company, XXXXXXXX XXXX XXXX sent several checks to me after which I mailed them out to the agreed creditors. One check I mailed to Comenity Capital Bank in Texas at : XXXX XXXX XXXX XXXX TX XXXX which is the address on their monthly statements. Comenity holds my XXXX XXXX Credit Card. Comenity has not been helpful after taking more than 90 days to do their research, saying they have no record of the check. XXXX eventually sent me their information showing the check was deposited with XXXX XXXX Utah ( see attached ). I have no business with anything in the State of Utah. I called XXXX and Comenity several times and left several messages with Comenity without them resolving my issue. I suspect Comenity mixed up my check amongst their several retail store accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
My grandmother passed. I have lived in her home before and after she passed. I have kept up on all of the house taxes as well as the home insurance. A couple weeks after she passed, my uncle who was power of attorney did a quit claim and put the title to the house in my name, as the will and trust said I would inherit it as a gift. 

On XX/XX/2023 I received a piece of mail I had to sign for, stating that the estate was intend to foreclose because it was in violation of the borrower passing away and in default. I HAD NO IDEA THAT MY GRANDMA EVEN HAD A REVERSE MORGAGE. My uncle did not give me that information. Anyways I have until XX/XX/2023 to pay off the debt or my home will get foreclosed. I NEED TO FIND A WAY TO SAVE MY HOME. It is all I have, I am an individual with XXXX. 
I've read about XXXX LAWSUITS GOING ON AS WELL AS THE COMPANY COMPU LINK WHO TOOK OVER XXXX. IVE CONTACTED ATTORNEYS THEY SAY I MAY HAVE A POSSIBLY LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We sold our home earlier this year and was waiting for a large refund check from the home owners insurance company. We fought for 3 months to receive the check ( wrong name used, wrong address used ). We finally received the corrected check on XX/XX/XXXX ( attached check stub ). We went to the bank, Huntington, to deposit the check. My husband endorsed the check and the teller wrote his drivers license number on the check ( deposit slip attached ) There was a hold on the check due to the amount. On XX/XX/XXXX I received an email stating the release was lifted from the check ( copy of email attached ). I tried to log into online banking to confirm before setting up the bill payments. I was locked out of the account. I called Huntington and was referred to speak to the hold department because my account had been closed due to fraudulent activity. I called the number given and was told a check will be issued to what funds I had in the account. And my account was closed due to depositing a fraud check. They said I had to wait for the check and letter in the mail. They would not tell me anything else. They would not tell me who I could speak to about the issue. I called XX/XX/XXXX. I called the Home owners Insurance company ( XXXX ) who issued the check. I was told I needed to speak to a XXXX or team lead to be able to get any details. I called XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX was finally able to speak to a team lead on XX/XX/XXXX. She confirmed the check that we received. She confirmed the funds cleared their bank oXXXX XXXX XXXX ( the same day we deposited the check ). She confirmed the name and drivers license numbers written on the cancelled check. She asked me to try to call Huntington again to see when they would release the funds back to them. I called. The young lady I spoke with was very nice but unable to answer many questions due to the fact that my account was forcibly closed. There is no known date of when the funds will be returned to XXXX. There is no known date of when the letter and check will be mailed to me. It may take up to 90 days. And due to the forcible closing of the account, I can never have a Huntington account with them again. ( which brought up another issue of them blocking me with other banks or even affecting my credit score ). She was unable to give a letter or explanation. I called XXXX back and updated her on what I was told. She was working with accounting to determine if the funds were ever sent back to XXXX. I asked her to send me a copy of the check so I could forward to you ( attached ). We are buying a new home and so I called my banker to inform him of this mess. He referred me to CFPB. I still have not received a call, email or letter from Huntington concerning this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I noticed in late XXXX early XXXX that I had inquiries on my credit report that were unauthorized/unverified. This was also around the time where I was getting my business together and was learning more of the business world. I realized that my credit score/credit report wasnt where I wanted it to be while also discovering that I had inquiries that I didnt know where there.

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 2023-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: HI

Complaint narrative:
Incomm Vanilla Visa 's customer service agent XXXX, employee number XXXX, blocked my replacement gift card without my consent. I called in today, XX/XX/XXXX, to check on the status of my replacement card because I was quoted a seven to 10 business day delivery time frame for the replacement card. Today is the 11th business day. All I wanted her to do was check on the delivery status, but she went ahead and blocked/canceled the replacement card without my authorization. Now I am out XXXX USD for an additional two weeks and, in total, this makes it one whole month of waiting. Incomm owes me a {$500.00} Vanilla Visa gift card because I was initially sold a non-working card. This card did not work when swiped at any register. This is totally unacceptable, unprofessional and highly unethical to make me wait an extra two weeks for Incomm 's employee 's mistake. Incomm needs to train their employees much better. Customer service is extremely terrible and there is no way to speak to a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went through a divorce back in 2000 in which the judge ordered our home split and sold. My ex then fraudulently got a default status only divorce with the financial portion to be bi furcated. It took me years to even understand what had happened and it never went to court for the financial portion to be split regarding all of the buildings we owned. I could never get an attorney to take my case because when they saw how badly I had been hard done by, and by whom, they didnt want to touch it. Besides I had no money at this point. My ex then lied to the Judge and told him that I was holding up the process. I went to court to defend myself but because of the lies accusations the judge was not on my side and told me to sign off of my house or be in contempt. But when I signed I said that I was signing under duress. My ex became very ill and he had to sell the house so he had his daughter who is a realtor, sell our home and never gave me my share of the equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: GA

Complaint narrative:
West Portfolio Management took over my car loan when XXXX XXXX XXXX went out of business back in XX/XX/2023. Since they've had my account it has been issues. I honestly call 3times a month, last call was XX/XX/XXXX. Can't remember how many times I asked to refinance. Most of my experiences are completely the same. First, was charged a late fee due to my loan not being in system. Second, they have changed my contract payments, but still have my contract posted on my account. I even explained that I am a XXXX veteran with a fixed income. Especially, since they barely speak English. Third, if u request a supervisor/manager, since the call center only accepts payments, you will be lied to and transferred to another agent pretending to be a supervisor/manager until you get annoyed and hang up. Fourth, if they take your contact number and reply " a manager with contact you in XXXX '' I guarantee you they won't. All they want you to do is pay, regardless if you're contract has been breached. Fifth, the online account won't allow me to pay more than what my contract states online, yet I owe more than I ever have. Sixth, I'm stressed out behind this recurring monthly issue. My XXXX  and XXXX is getting worse thanks to this. Seventh, there are a bunch of negative reviews online about West portfolio management playing around with people accounts and no one to communicate with them about it. I live alone in my city and know no one, my vehicle gets me to my appointments and grocery store, neither are in walking distance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the NAVY FEDERAL CR UNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/23 I made a purchase using my Chase credit card in the amount of {$470.00}. 

The item says it was delivered on XX/XX/23, however I was not able to find the item and reached out to the merchant on XX/XX/23 at approx XXXX. The merchant representative told me that, since the item was stolen, I needed to file a police report. The representative also told me they would not issue a refund and that my only recourse was to hope the police recovered my missing item. 

I filed a police report, and then I disputed the transaction with Chase. 

On XX/XX/23 Chase uploaded a document to my account which stated that Chase believes the charge is valid, and included in the document were copies of the merchant 's receipt, a copy of the map of the city, and a photo of the merchandise sitting on the ground. Nowhere in the documentation is there any mention of where I can submit my supporting documentation. 

On XX/XX/23 I called the Chase dispute department and asked how to submit my supporting evidence, and the representative told me " Chase disputes no longer cover theft and this issue is considered fully resolved. '' This is in violation of the information listed on the FTC 's website regarding credit card disputes. Furthermore, in Chase 's own supporting documentation for the Chase Freedom Unlimited credit card it specifically states " XXXX XXXX protects against theft of, damage to, or involuntary and accidental parting with new retail purchases within XXXX XXXX XXXX ( XXXX ) days from the date of purchase. '' Chase is blatantly violating FTC regulations and is violating their own terms of service for their credit cards. 

I've also included a copy of a photo of a sign the property management company hung in the lobby of my apartment building because someone broke in and stole a bunch of packages from people. I would be happy to provide Chase with a copy of the police report number once a representative from Chase reaches out to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
During the announcement of the Student Loan Forgiveness last year, I called to inquire about the payments that I had sent during the payment pause. 

The representative said that the payments I sent during this period would be reversed and refunded. 

Unknown to me, they mailed a refund check totaling {$12000.00}. This check was stolen and cashed, coincidentally during the XXXX XXXX period when my identity was stolen, which I have two separate police reports filed. 

Aidvantage, my student loan servicer, advised me to contact the PLS Check Cashers, where the check was cashed, which I did visit in person. 

The PLS locations fraud department then advised me to contact the Department of Treasury and ask for a Fraud Package that contains a Claim Against the United States for the Proceeds of a Government Check. 

I got in touch with someone at the Department of Treasury, although they told me to get in touch with the Department of Education.which then forwarded me to Aidvantagein otherwords, full circle to where I began. 

I need desperate help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I thought I was talking to an Apple Pay support person, she identified herself as XXXX XXXX, Apple employee # XXXX. My Apple Pay was suspended and I waned to know why. She told me my XXXX was compromised and instructed me to go to XXXX and do a gift card ( a few times ) and she used XXXX XXXX XXXX XXXX, zip XXXX, code XXXX. She assured me these would be voided. Then she asked me to download XXXX, using the same XXXX and she kept telling me not to worry all would be voided. She had me XXXX money to my daughter XXXX XXXX and have her send it back. She waned me to go to XXXX and get a XXXX. That's when my daughter came to the house I'm still under the impression this person is Apple support. She continued doing these gift cards with. my daughter. Finally at XXXX XXXX  we decided I was being scammed. So we called the police and reported it. And I have a police report. I'm still not believing how stupid I was. But I have worked with Apple support with other problems and they have always been wonderful. But during all this she texted because I lost the call. 
Sent all the info certified mail to Goldman Sachs and have not heard anything back from them. I have talked to numerous Apple Pay support employees to no avail and they would transfer me to an Apple Support person at Goldman Sachs. The charges have been disputed several times and they want me to pay {$600.00}. All charges that were done by XXXX XXXX in the month of XXXX and her assuring me these were all great. I have not used the Apple Pay card since. The certified mail with copies of everything were sent to Goldman Sachs and signed for by XXXX XXXX. I am enclosing a text message from XXXX when I lost the connection XXXX XXXX XXXX. XXXX has reversed charges and closed account. XXXX said there wasn't anything they could do because the XXXX gift cards were already sent to No first or last name to XXXX XXXX XXXX, XXXX GA XXXX as the XXXX  gifts cards also. I have closed out my checking account and opened a new one. Also clo.sed out XXXX card account and got a new one ( it was attached to my Apple Pay account ). I may have forgotten pieces of all this. But my memory isn't as good as it used to be. Please help me. Thanks for reading

Company response to consumer: Closed with monetary relief