vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I have received a notice from Sequium Asset Solutions , LLC on XX/XX/2021. This notice stated that I owed {$59.00} to XXXX XXXX. I have called the company stating that I no longer have an account with spectrum because when I purchased their services, the person who was setting up the Wi-Fi, threw a modem box at my father and upon hearing what had happened, I canceled my service and stated that I will not be paying for their services. I thought that XXXX would understand and told me that I would not have to pay anything and remove the equipment from my home on XX/XX/2021. I spoke with Sequium Asset Solutions today on XX/XX/2021 and they said that I had all them {$59.00} and say that they would add a notation to the account whoever stated that they would not be willing to forgive the {$59.00} after I told them what had happened. After that call, I contacted spectrum and they say that I do not have a balance and gave me a ticket number. The ticket number is XXXX. During the call with Sequium Asset Solutions, the customer service representative told me that they can not let me know if this would affect my credit report negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: MD

Complaint narrative:
XXXX of XXXX I closed on a refinance loan with homebridge financial and XXXX title company. On XX/XX/XXXX I noticed a change in my Homebridge financial monthly mortgage payment amount. I contacted the mortgage company and I was told at that time the reason for the increase was due to an increase in property tax and homeowner insurance. I received a statement in the mail from XXXX county that shows my property taxes are XXXX. They were indicating a shortage of my escrow by over XXXX that would have to be paid over a 12 month period. I received no prior communication of the shortage. XX/XX/XXXX I contacted Homebridge financial and spoke with another representative XXXX that explained to me that the analysis was done incorrectly they overpaid my property taxes for the previous year. They paid XXXX county a total of XXXX for XXXX. I was told That a high priority ticket would be submitted and my account should be adjusted in a couple of days back to my original amount of XXXX. On XX/XX/XXXX I called again to homebridge to follow up with the ticket because my account was still Showing the shortage calculation. I spoke with another representative that is now telling me that My title company XXXX title Created the error when my escrow was created. They are claiming that my escrow wasnt enough to over taxes and insurance and they have been paying the taxes to keep the account current. Again no communication was given to me with this occurring until the change was paid for this mortgage payment XXXX. They are not addressing the fact that they didnt pay my property taxes on XXXX of XXXX and they sent two payments in XXXX Causing my escrow to be short.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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 2021-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: TX

Complaint narrative:
Problem 1 : I refinanced a loan with Mutual of Omaha on XX/XX/21 for {$270000.00}. Then I made 3 payments on the loan. 

{$2700.00} on XX/XX/21 Regular Mortgage Payment due XX/XX/21. ( {$870.00} Principal, {$600.00} Interest ) {$120.00} on XX/XX/21 Principal Curtailment {$750.00} on XX/XX/21 Principal Curtailment Principal Balance on the loan is {$270000.00}. Mutual of Omaha website shows the balance correctly.

But now Mutual of Omaha has transfered the loan to XXXX XXXX effective XX/XX/21 for a balance of {$270000.00}. Which is incorrect They have eaten up my curtailment payments shown above. That money ( {$870.00} ) is gone / disappeared! Want them to fix the principal balance. 

Problem 2 : I want a payoff quote from Mutual of Omaha. I called them and they refused to give me a payoff quote because they have transferred the loan. Even though their own letter states I can send them payments until XX/XX/21. And the loan transfers to the new servicer on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting a

gencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX  Account Number : XXXX This is not mine. 10. Identity Theft XXXX  Account Number : XXXX This is
not mine.

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 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX  continues to call claiming I still owe money to Citi Bank. I paid XX/XX/2019 a different collection agency through docusign {$850.00}. They claimed that sometimes consumers forget they had this account. Now another Citi Bank collection agency is claiming the same thing. I'm doing some investigation into I believe another Citi Bank pay off that my wife believes she has paid in the past years. All my accounts are on automatic payments. I use my XXXX XXXX card which is where our income is direct deposited and we use XXXX XXXX for our business related expenses. I believe Citi Bank is fraudulently chasing consumers and threatening with litigation to force payment for false accounts.

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NC

Complaint narrative:
equifax has wrongly put late paymnet on my account. i have conteacted equifax in XX/XX/2021 but no issue resolved. I have contacted company XXXX XXXX for this and they said its equifax who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
XX/XX/21 - I just called Experian 3 times! They have zero live person support! XXXX! 
This is an agency that is here to help people with Fraud alerts and credit reports! And they don't have a live people support! They only have the XXXX automated robot! There was no way for me to speak to a live person. The issue is, I was not able to get verified on their XXXX  website, you know the one that has like 3 options and tries to sell you all this monthly XXXX! Why does the government support this lousy company! Experian is the worse! So I had my DL stolen, credit cards ... 
and I can't even get a hold of them to help me login and freeze my credit and post a fraud alert! How does this agency still exists! I called XXXX this is the number that is posted everywhere online for them. It's just a robot voice, and if you press zero, it will eventually hang up. There are no options to speak to a live person! I HATE THIS XXXX Company!

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 2021-08-02 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: GA

Complaint narrative:
Student loans 1-14 from XXXX XXXX have been disputed continuously since XX/XX/2021. Each round resulted in TU stating that the information was " verified '' and no actions would result. I ultimately uncovered and submitted proof that the 14 student loans accounts that were marked 90 and 120 days late were actually never in fact delinquent as I was in forbearance at the time of the erroneous reporting. Now all of sudden that I submitted proof that these accounts should be updated to good standing. Transunion decides to DELETE all of the information instead of update their records to reflect positive payment history. This is a DIRECT ATTACK on my personal credit and well being and tu has caused me considerable harm since they stated these accoutns were " verified '' when they were not and then instead of updateing postive payment history over 14 accounts they decide to circumvent my request to update the payment history and instead removed EVERYTHING which is intended to hurt my ability to obtain loans based on good credit history and purposely designed to keep me paying high interest rates and face loan discrimination. I want transunion to come in to HONOR and update my records to reflect the positive payment history I earned and deserve.

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 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: NY

Complaint narrative:
on XX/XX/2021 my checking account balance was low so I transferred money from my saving to my checking account to cover purchases. After I made the transfer i made a few purchases. Usually, when I transfer money it becomes available right away or at some point the same day. This time they didn't make my found available until the next day after my purchases were posted to my account causing me to overdraft 3 times and refusing to reverse the fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020, I opened a new Capital One 360 checking account which had a public advertisement claiming that I would earn a {$400.00} bonus if I complete " at least 2 direct deposits totaling {$1000.00} or more to [ my ] 360 Checking account within 60 days of account opening. '' However, even after I have completed the above requirements and waited more than six months, I still don't see the bonus showing up in my account. 
I am very confused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02 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: The CBE Group, Inc.
State: UT

Complaint narrative:
I have been filing and sending several letters and have never heard back. I sent letters several times to dispute the validity, and have requested validation and have received nothing. I will attach the letter sent several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Managment is reporting an account that they promised to DELETE in full upon payment. The account was paid and yet today I noticed that they updated it as a settled collection as opposed to removing it fully from the credit as promised. Credence failed to keep their word and misled me to pay the account by promising a full removal from the credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was issued a credit card back in XXXX or XXXX of this yearXXXX. I went on line @ the time and created an account but the XXXX of XXXX time I tried to go on line, my password was rejected and I know I keyed in the right password. 

I called the credit card company and verified all of the requested information but was told I would not be able to access my account. My reply was I will not use any card that I have no way of reviewing my account information. I was told I could mail in my payments. I never used the card. 

A few days ago, I was issued another card by the same bank, a different card and I am still unable to access my account on line and all I am requesting is be allowed to change user name as well as password. This should be allowed after all who wants to have a card that can not be monitored?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
please check the following accounts on my credit report, they are not mine, they are without any authorization Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX BANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My mother passed XX/XX/21 and settlement of her estate, although it began as soon as possible, is still ongoing. All necessary paperwork has been submitted. JPM Chase has promised to rectify the situation with the checking account in question. They have even supplied dates as to when beneficiary checks would be received, yet they have not closed said account nor have checks been issued. 
JPM Chase has continued to charge a Service Fee for said account, despite the fact that assets have been frozen since approximately XX/XX/21. 
I have endeavored to work thro

ugh the JPM Chase Complaint Escalation Department. Although I have been promised remedy concerning this matter, there has been n
one.

There is no excuse for this lack of service, especially for a matter that should be so basic to any banking entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
This complaint is regarding deceptive debt collection practices committed by : XXXX XXXX Mountain Run Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Acting on behalf of a debt purchased from : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX On XX/XX/XXXX, I contacted MrXXXX XXXX to dispute the amount of the debt. They are claiming I owe {$580.00}. 

On XX/XX/XXXX, Mountain Run contacted me by text message from mobile number XXXX regarding the debt. 

I replied back on XX/XX/XXXX that I was disputing the amount due, but that I would offer {$250.00} to settle the debt IN FULL and consider the matter closed. 

They accepted the offer. They replied " Perfect. Give us a call and I'll approve the payment. '' They emailed me a payment link. I made payment for the agreed-upon {$250.00} on XX/XX/XXXX. 

XXXX then contacted me back on XX/XX/XXXX informing me that the offer was only eligible for that same day ( XX/XX/XXXX ). He made NO indication that the offer was contingent upon same-day payment. 

This is clearly a deceptive debt collection practice. I emailed them back several times, but they have not responded. I have given them ample opportunity to correct this before complaining to the appropriate consumer protection agencies. 

DESIRED RESOLUTION : I made the agreed-upon payment of {$250.00}. I want my account closed in full and the appropriate credit reporting agencies contacted so that this debt is removed from my credit report. 

I would like this information posted to consumerfinance.gov so that others may be warned about this company and their deceptive practices. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed a dispute in regards to the incorrect information on my credit report. It is well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief