vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC

Complaint narrative:
Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. 

Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report Sequium Asset Solutions , LLC response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. Sequium Asset Solutions , LLC is a collection agency representing XXXX XXXX XXXX XXXX in association with a collection claim on account number XXXX.  XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX, XXXX and XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. Thank you, XXXX XXXX, Corporate Compliance Officer,  XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: IL

Complaint narrative:
The company is reporting inaccurate information to Equifax and XXXX credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked XXXX and Equifax to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: IL

Complaint narrative:
The company is reporting inaccurate information to XXXX and Experian credit bureaus. The date of last activity is different on both reports. The date of last payment is different on both reports. The date of last payment is different on both reports. But when i dispute the item the company continues to say that it is accurate. How is it accurate with both credit reporting agencies when it is different on both.I have repeatedly asked Experian and XXXX to investigate the reporting. I sent them copies of my credit report showing them that the reporting is different. So how can it be accurate but they continue to respond that the creditor verified that the information is accurate. I repeatedly contacted the creditor acceptance now asking them to validate the account. I asked the to send me a copy of the contract with my signature stating that I've agreed to pay them, along with the terms and balance. They have not responded to either letter i wrote them all sent by certified mail and return receipt that was signed by someone at the company. I am really discouraged by this. I am paying XXXX, XXXX XXXX dollars for a car that only cost XXXX, XXXX because of these companies negligence. I was just turned down for a mortgage because their negligence. The dates that i contacted acceptance now are included with the certified mail receipt and return receipts. I did not include them all because there are so many but what i have included should be enough. XX/XX/2020. XX/XX/2020. XX/XX/2020. XX/XX/2020. These are the recent contacts but i have some dated all the way back. I thank you for your help. Certified mail receipts and return receipts uploaded for proof and response letters from the Credit Bureaus themselves.

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 2020-08-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but Nissan is also stating that they have no knowledge of this because XXXX has not notified them. I spoke with XXXX ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with Nissan. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Synergetic Communication Inc
State: MD

Complaint narrative:
Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but XXXX is also stating that they have no knowledge of this because Syncom has not notified them. I spoke with Syncom ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with XXXX. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid XXXX XXXX XXXX to remove all of my debt on my credit. Walmart, XXXX and many more are wrong on my credit. I have proof that I paid ALL companies showing up on my credit report some still show open when paid off and some show collected settled. They all should be paid in full no latefees asa agreed. How do I get them ti fix my credit? I paid all the items as a result of fraud and they didnt want to work with me on that either! I feel like I need a new Social Security Number. Its Horrible I pay all my bills and things I dont owe! I have medical bills poping up from a state I use to live and I had insurance, this isnt mine to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo made errors with my COVID-19 mortgage forbearance process and its preventing me from qualifying for a new mortgage. 

On late XX/XX/2020 I requested forbearance on my mortgage. We froze payments as of XXXX. In late XXXX, after missing 3 payments I called and asked to resume payments. The representative told me they will defer the missing payments to the end of the loan and Ill be  able to make payments starting XXXX. To date, XX/XX/XXXX, Wells Fargo has not deferred the missing payments. I called several times to resolve this and the Wells Fargo agents keep providing contradictory information, saying that the loan was never on forbearance ( even though I have letters from them indicating that it was ) The loan now shows delinquent, i made a payment in XXXX that shows that it was applied for XXXX payment. I cant get a new mortgage due to this per the new guideline and now I cant buy a new home because of Wells Fargo.

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 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a Federal withdrawal which Chase does not know what that is. Taxes are not due till XXXX and I filed extension. Chase closed my account because I asked what this withdrawal was. There also are outstanding charges I asked Chase to remove for a year which go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I have tried on several occasions to resolve this matter with Experian credit reporting agency, but they have not responded correctly. This is a fraudulent account place on my credit report by XXXX XXXX XXXX. I was only able to submit on dispute request on XX/XX/2020, because the website will not allow another. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened my online banking account in XXXX. I had my Michigan Unemployment Insurance Agency deposits being deposited into that account. They have since frozen my account which has a positive balance of just over XXXX USD. That money in that account is my bill money, that would be some of my unemployment benefits, the PUA benefits from being laid off in XXXX and still haven't got a call back, and the other half of my Economic Impact Payment from the government. I have tried and tried about 20 times including going into different branches and calling the customer service line many many times to get my funds. It has been way too long. All I want is them to issue an ACH to my other bank account for my funds or I can even walk into a branch and pick the money up with my Valid Drivers License. My car insurance is due, I need to buy things for college, I have kids to raise with that money. I feel like they owe me more money for this wait ... .. The only reason they closed my account is because " We don't recognize the deposits coming into your account. '' The deposits are coming from the EIP check I deposited, Michigan UIA, which the deposits come in as UIA- PRE PAID DEBIT- UI BENEFITS or XXXX XXXX , my federal student loan servicer. I would like them to immediately give me my money or the access back to my online account so i can withdraw all funds and close my account with them. I have also emailed the White House and The Federal Reserve about this issue. Please Help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Magnum Association Services
State: GA

Complaint narrative:
Attempted to reach Magnum since XXXX. They never answer their phones and barely answer emails. They gave me one amount to pay XXXX XXXX XXXX on XX/XX/XXXX. Once trying to pay, they charged a surcharge of {$40.00}. When in the process of disputing the credit card processing fee on XX/XX/XXXX, they increased the fees, charged an additional 25 % in contingency fees, added more interest and late charges, and {$44.00} in credit card processing fees for a total of over {$200.00} more than the agreed upon amount. 

After contacting the company, the original creditor, and XXXX, I have yet to get a response. They violated the FDCPA in more than one instance. The 3rd party collection agency, Magnum, is also a LLC of the original creditor ( they are in the same office ) and claim the other party is to blame. The original creditor, XXXX XXXX XXXX, states they have nothing to do with the fees. The 3rd party stated the reason they haven't returned my call is because I/they need to contact the original creditor. 

This is a conflict of interest. They are double charging me on fees, they have deceptive practices, violated FDCPA, and have unlawful communication practices. 

We are suffering from the global pandemic with a 7 % unemployment rate and increase of national debt. They should be courteous knowing that millions of Americans are suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Ive asked on several times for validation of this debt. And never received anything from this company that validate this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
First Savings account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX  account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX XXXX account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.

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 2020-08-24 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: GA

Complaint narrative:
XXXX XXXX  account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: GA

Complaint narrative:
XXXX XXXX account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX card account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.

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 2020-08-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I reviewed my Equifax credit report online. I discovered that Equifax is reporting that I have two identical open accounts with XXXX XXXX. I submitted a dispute online. On or about XX/XX/2020, I called Equifax and spoke to a representative. I explained to her that I only have one account with XXXX XXXX, not two, and I would like to have one of the accounts removed from my credit report because it was hurting my credit score. She advised me that the dispute was still pending and XXXX XXXX reported that I have two exact accounts. On or about XX/XX/2020, I reviewed my Equifax credit report online and I discovered that Equifax closed my dispute without reporting their investigative results and the XXXX XXXX  EXACT accounts remain on my credit report. This wrongful information is hurting my credit score and preventing me from getting a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AES/PHEAA
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
( Please See Attached Documents ) This happened on or about XXXX XXXX, I went to Bank of America atm system to withdrawal my last {$40.00} out of my checking account. I went to use the local metro subway to purchase the metro card as I gave the lady one of the {$20.00} that BOA dispensed out of the atm system and to hear the little money I do have is fake. I was flabbergasted to hear such words. I immediately gave her the other {$20.00} and she was able to collect such. Now I am stuck with a fake {$20.00} bill and now no money. That caused me great embarrassment and distressed. I am a elderly and to hear my last little dollars I do have is fake, from such a large company like BOA. I put my trust into this banking institute. I immediately went to BOA to have this matter addressed only to be looked as a fraudster. To take the {$20.00} and not reimbursement for this distraught moment I had to endeavor. The branch said to me that they would investigate the matter and I would be notified. I allowed weeks of communication through email and countless times having to go back into the branch to only get no end result in my dispute FOR SIMPLY {$20.00}. Now as I stated, BOA you are a large company to you {$20.00} is chump change, but to me the consumer that was my last, my all, and I am loooking for the reimbursement. I still hold on to that because the level of stress it has caused 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 monetary relief