vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
Hello, I am a person with extremely high standards of ethics and never engaging in any wrongdoing. All my debts and payments are always on time. Today, i noticed a huge drop in my credit score. Upon further checking, I found that a credit collection agency called Sequium has left a derogatory mark of having not paid {$110.00} for XXXX XXXX XXXX company. I am shocked to see that on my credit report. 
History with XXXX XXXX XXXX : I own a XXXX XXXX XXXX phone and had called XXXX XXXX XXXX to enquire about any newer plan or phone upgrade eligibility. They convinced me to get a brand new phone with {$0.00} down payment and ensured that it will not require a new line. I agreed to find later that they had charged me for the phone and also asked me to get a new line. As soon as I recieved that email, I contacted XXXX XXXX XXXX and said I do not want the phone in that case. The representative on the other line assured me that he has cancelled the order and that I will not be charged since I had not recieved the phone yet. Few days later, i recieve the phone. I call them again and they ask me to send it back saying that it was a mistake. I sent the phone back immediately. A month later I recieve a bill of {$110.00} for the phone i never agreed to buy but recieved, for the phone i never opened, for the phone i never used and for the phone i returned promptly. I called them yet again and they assured me yet again that it was a mistake and that the phone line was cancelled and can not be found in my name at all so i should not liable for that payment. Months later, I receive a letter from collection agency notifying me of the pending payment of {$110.00}. Furious at this, I called XXXX XXXX XXXX again and they maintained their stance that it could have been an accident and that their system does not show that new phone and line in my name and hence i never was liable for any payment. I am attaching the proof from that last call because I had insisted that they send me that in writing because of multiple calls involved. Months later, today, i see a huge drop in my credit score. And I must say, I am HUGELY DISAPPOINTED, SHOCKED and FURIOUS all at once! The fair resolution would be for the SEQUIUM collection agency to drop these charges against me on my credit report. I also demand a written apology from both XXXX XXXX XXXX and SEQUIUM for causing mental trauma by doing this. 

I demand justice and i demand the credit agency dropping this charge against me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INVESTORS BANK
State: NY

Complaint narrative:
Investors Bank in XXXX, NY is refusing to give restaurant and airline workers mortgages though Im still working. 

Is this a practice to deny essential workers mortgages during Covid?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 — Card was charged for something you did not purchase with the card
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I called the company to dispute an Transaction that was done on my business credit card. I advised the company that I did not make that purchase. This purchase was done back in 2018 for the amount of {$10000.00}. The company was investigating my complaint. They gave me back the credit while they investigated. They investigated for a whole year and then came back with the results that I made the purchase because of a credit that was given to me. I advised them that I did not make this purchase.I was not aware of a credit that was credit to the business card by this particular company. I did not know of this company in question.

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 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.

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 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
The mobile Bank is an in-app authority only so when I had lost my phone I was locked out of the app as to the two-step verification through the phone the same with my email so I was unable to get in touch with the company at all the company in hand is Current mobile Bank. After about a month the company came out with a XXXX number I finally called the number and was able to get into the account and saw that {$3000.00} had been direct deposited and spent without my permission. I had to take a discrepancy charge. As I had to get a new phone I lost that email due to to set verification but was able to keep the current account and 2 months later have still not heard anything about the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: PA

Complaint narrative:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.

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 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm filing a complaint in reference to my Account XXXX American Advantage Platinum Select Credit card wants to hit me with late charges {$19.00} XXXX, total {$19.00} the pending charges was {$19.00} and was not paid on time. 

l didn't know about my charges because Platinum Select decided on their to send my statement paperless. 

Explained my situation and stated that I have been banking with Citibank since XXXX and I have never seen this type of shakedown! 

My account has been in auto pay mode for many years, and all of a sudden this service was disconnected. 

Citibank records indicate that on XX/XX/XXXX I lost my credit cards and I was issued a new card! At that point, this auto pay service was disconnected and very conveniently I was not informed. 

During this pandemic, I have not paid my rent, my electricity and so forth.And I plead with the credit card company to waive the so called late fees, and was told " we are not in the position to waive or delete these charges! '' American advantage, had signed my account paperless without my permission, I was unable to see my account online because of security issues. 

I have been banking with Citibank since XXXX. At this point, I feel the credit card company is being abusive! its position as a credit card institution doesn't give them the right to dismiss my legit and valid explanation!! 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 2020-10-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I signed an agreement with the XXXX XXXX XXXX XXXX to take advantage of the CARES Act where I agreed to pay my mortgage forebarance amount in full by XX/XX/2020. I specifically confirmed 3 times on the phone with the agent from XXXX XXXX XXXX XXXX that IF I took advantage of the forebarance program and paid all fees in full by XX/XX/2020, I would not have any adverse information sent to the credit bureaus. Knowing that I was going to sell my house and pay the mortgage off in full and all fees associated with the forebarence on XX/XX/2020, I agreed to the program. 

I am now trying to buy a new home and found out that although I fulfilled my obligation by paying off my entire mortgage and all forbarence fees early, that XXXX XXXX XXXX XXXX has informed all of the credit bureaus that I was late with a payment. That was not what was agreed upon especially since my entire mortgage was paid off more than a month prior to my forbarence due date. This is a bait and switch and clearly is adversely impacting my credit score. Over 35 years, I have never had a late payment for any of my credit cards or loans. Now I am being penalized with a credit score deduction by over 135 points when my credit score from all agencies has hovered around 800. This predatory lending practices are horrific and are not in line with the intent of the CARES Act.

I need your support to get the " late payment '' notification to all credit bureaus reversed and a note to the credit bureas and me that they made an error and reverse the late payment notification. If you have any questions or need any further information, please email me. This is yet another financial institution taking advantage of the American public like was done in XXXX with the mortgage defaults.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: LA

Complaint narrative:
This decision has come to the observation of the type of financing and payment in installments for each month. It is not possible for a simple {$900.00} loan to generate 10 payments of {$460.00} each month, creating a debit of {$4600.00}. There is no way in the world to understand and interpret that. Gold in kilograms is cheaper than your type of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX XXXX account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been with Bank of America since 1983. I have my HELOC with them. They recently ( Couple of months ago ) had a change of Account numbers. My account still is not updated. They show a balance owing to them and they have put chunk of payment {$19000.00} in Suspension? I talked to four reps at different time in the last month alone after holding at least for an hour. Also I sent them several E-mails via my account. Couple of times I was disconnected by reps after 60 minutes of holding. Still my account is messed up. 
Bank of America is holding my payment of {$19.00} k in suspense for last 2 months. When I talked to their rep about a month ago, she told me that if I were to close my credit line, I have a balance of {$28.00} owing to me. But I continued in the hope that subordination pending since last month will be approved. Since that talk, I have not made any transactions from this account. I just received my HELOC statement. They are asking me to make a payment of {$72.00}, whereas I have a balance of {$28.00} owing to me. 
What a sad state of affairs. You can't reach any executives. I would like the regulating body to look in to the practices followed by this bank. It is a mental torture for me. I spend sleepless nights on hard earned XXXX payments not accounted by Bank. I have spent almost 20 hours on clearing but have run post to pillar with no headway. I am enclosing statements from Bank of America for 3 months for your analysis. Thanks for the help

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
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had an Auto Loan with Santander Consumer USA on a brand new off the lot XXXX XXXX XXXX. My car broke down ( timing belt popped ) and I did a voluntary repo. Well they put on my credit as a charge off in XXXX of XXXX well fast forward and it appears that Santander is involved in a lawsuit in several states. Georgia is one of those states and I reside in Georgia, which my vehicle will be apart of at the suit ranges from XXXX XXXX, for giving out extremely high interest rates to buyers that were basically vulnerable. I was a first time buyer never shouldve had an interest rate that high. The lawsuit states that Santander knew that the customers would barely even be able to afford the loan due to the high interest rates. So I want it removed off my credit. Santander never even sent me anymore correspondence about the auto loan or anything. I know they came and got my car but didnt say what to do next. They constantly called and harassed me week after week. I lost my job and it was extremely hard to keep up with the car note. And even looking at the balance it never seemed like it was going down. It was always high giving me the impression that no matter how much I caught up my car note I was never truly going to pay that car off. So this lawsuit will be a much appreciated relief. No one ever wanted to refinance my car loan nothing. I was stuck. This lawsuit proves just how negligent and manipulative Santander really was to its customers and much they preyed on the weak. So I want it off my report final.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Called and escalated on XX/XX/XXXX at XXXX and XXXX PST as to why my debit card was closed and a new one was opened without my consent. My existing card ending in XXXX was not scheduled to expire until XX/XX/24. I escalated to management, they could not explain why a new card was issued. No changed to checking account and no changes to card limit ( POS/ATM withdrawal ). This was a fraudulent activity on behalf of chase. A huge inconvenience as they offered no immediate alternative to accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I called Diversified Adjustment to see what the collection was about and they stated I had a XXXX  account. I informed them that I have never had a XXXX  phone before, let them know was a victim of identity theft and ask them how much was owed. The lady told me she felt like it was my debt and that I needed to pay them {$800.00}. I told her I would not pay that debt due to its not mine, but I would try to settle with them since she would not remove the account off my credit report. I have been going back and forth with them for about 2 years now. The account has no payment history, no balance information, no type of info about it on my credit report but it shows up as a collection. I asked them to verify the account and she could not other than saying XXXX  said it was mine. I would like this account to be removed ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
C/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Nevada XXXX Before beginning, Im sure XXXX one more pic ... 
Today, is say I walked into the b of a on XXXX to get cashtobuy weed at my fav store XXXX  on the trip but I got nothing better to do with my life XXXX  in XXXX then request you do your jobs. Question, when you as in the fedgovt brings XXXX once it becomes my cash in my bank account besides you guys knowing Im XXXX who the XXXX i they think they are for not allowing me to take out XXXX XXXX when I firgot my IDS and as before in nys XXXX  and I. The United States for a withdrawal slip of you dnt remember youracct number they ask for your ssn then I wrote my name and city and state my account opened. Doesnt bank of a have a XXXX dollar rule about casss like that? So mr manager XXXX hey its vegas and Im XXXX how cliche he was a total XXXX was that necessary?

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 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed an unauthorized checking account open without my consent ending XXXX, and also noticed unauthorized and incorrect balance of XXXX incurred in the credit account ending XXXX without my consent or acknowledgement. Please provide proof of authorization in the mail no later than 5 business days.

Company response to consumer: Closed with explanation