vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Received a mail from Sequium Asset Solutions , LLC last XXXX XXXX, letter was dated XX/XX/XXXX, reference # XXXX, creditor name : XXXX XXXX XXXX found out from XXXX it is XXXX  ) creditor account # ending XXXX, total due {$64.00}. 
Letter with bold print You are here by notified that a negative credit report reflection on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. 

I called XXXX XXXX XXXX ) XXXX last XXXX XXXX XXXX staff confirmed that I do not have any pending balance, NO due amount. I informed the staff that I NEVER receive any equipment thus no service at all from XXXX  in my XXXX XXXX address. 

I called Sequium Solutions today, XX/XX/XXXX XXXX XXXX line kept ringing then my call got cut. I called Sequium using another number at XXXX XXXX answered, he informed me that it was indeed from XXXX  for an equipment costing {$59.00} plus tax which amounted to {$64.00} that delinquency was reported XX/XX/XXXX. I told XXXX XXXX am disputing the charge and I NEVER received any equipment and NO service availed in my XXXX XXXX address, I am currently using a different internet carrier.I also told him that I verified with XXXX  and XXXX  confirmed that I do not have any pending balance.I also mentioned to XXXX that if XXXX XXXX was the delinquency date, XXXX  never sent any bill to my XXXX XXXX address that I could have disputed it earlier or XXXX  never sent any mail that showed any documentation that I received any equipment from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MicroBilt / PRBC (formerly CL Verify)
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX Inquired on XXXX  XXXX, XXXX  XXXX Inquired on XX/XX/2019, XXXX XXXX, XXXX  XXXX XXXX XXXX Inquired on XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Advanced Portfolio Group LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt, that I am not sure is valid. They have made several calls to me, which I answered most of them. I expressed I need to talk to my attorney about that matter. They sent me a letter for the debt. On Monday XX/XX/2021 this company called my XXXX, who lives in California twice XXXX both at XXXX ) demanding to know an address or other contact information about me. I am still working with my attorney to see if the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Company called XXXX called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a liar, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
ON XXXX, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. THIS IS MY SECOND TIME SENDING THEM MY DISPUTE LETTER HOWEVER, I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, Im a Bank Of America costumer and Im trying to use XXXX  to have an Instant Verification to confirm my bank account since Im going to start doing trade currency and my broker is XXXX and and XXXX  is telling me my bank blocked me from doing the XXXX  Confirmation.

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
We have attempted to dispute a {$600.00} charge on a service that was not completed satisfactorily. We made several attempts to work out the problem with the vendor and returned the item several times to the shop to be repaired. With the item never working properly, we finally decided to dispute the charge with Barclay 's XXXX XXXX 

On XX/XX/2020 I mailed the dispute, along with supporting documentation, to the address listed on XXXX 's website for disputing charges. After several weeks of hearing nothing, I called XXXX 's and was told they never received the letter. I rechecked the mailing address with the agent and it was correct. At this point, on XX/XX/2020, I resent all the information via certified mail. The letter was received and signed for on XX/XX/2020 at XXXX XXXX. 

After not hearing from XXXX  again after several weeks, I began calling. Once again I was advised the letter and documentation had not been received. Once again we double checked the mailing address with the agent and it was correct. 

I asked to be connected with a supervisor and was told that was not possible unless I had a dispute number in their system. 

I have made numerous calls and asked for a supervisor. Finally getting an agent to " look for one for me :. On the several times I called XXXX, I have literally waited hours on hold and no supervisor was ever " available ''. 

Over the course of an additional few weeks, I did receive 2 calls from XXXX that I was unable to take at the time of their calls. The call back number always connected me back through the main dispute call center. I was told since they attempted to contact me twice and I was not available, I would have to begin the process all over. In other words, if a customer is not available at any unspecified time to take a call, after XXXX 's second attempt, the customer basically begins all over again. 

This particular call back scenario happened exactly 3 times. I even received a letter from XXXX stating after numerous unsuccessful attempts to contact me XXXX not true ), they were denying my claim. 

We are now reaching out to you in hopes to get this resolved. We have made every attempt to resolve this, first with the vendor, next with the credit card company. It is unfathomable that a company like XXXX 's would have such poor customer service.

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 2021-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My husband and I have a joint account with the Navy federal credit union. I have had limited access to the account and when I called today to find out why the representative explained that I would need to be a member in order to receive the same access as my husband such as making a digital deposit. She told me that even though I am on the account I am not considered a member and to become one I would have to open a separate account. It is concerning to me that they are trying to force me to open another account that I do not need or want so that I can have the same access as my husband on a joint account. I feel this is a practice they may be using in order to inflate the account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; STATE COLLS - XXXX ; XXXX XXXX - XXXX ; XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXXXXXX and XXXX  XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
What happened is I did a stop payment on a company and they still allowed the company to come back in my account which in return calls me or overdraft fee and when I call they would not return the fee but they say they will return the item because of the stop payment and I feel that it's not right for me to have to pay a {$36.00} overdraft fee because I've already paid for a stop payment.

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 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX of XXXX I applied for forbearance due to covid 19. I was under the understanding my payments would be put on back end of my mortgage ( my original mortgage ) and no interest would be accrued during forbearance period. I was on forbearance 6 months. When I started my payments again, I gave Wells Fargo {$5700.00} to apply to my escrow because I understand my taxes and insurance still need to be paid. My brother gave me these funds. So now its XXXX of XXXX and Wells Fargo has put a lien on my home, stating i owe them {$12000.00}. I believe they are charging me interest for those 6 months of forbearance, which is against the law. I was scheduled to close on sale of this home today and now I cant till all of this is cleared up. I have already moved out of my home because the title company just found this one day before closing. I am homeless now till this is resolved! WELLS FARGO IS DOING WRONG!!! And now it is costing me!! Please, please help me resolve this.

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 2021-03-30 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: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have had multiple problems with Mr. Cooper failing to make timely payments from my escrow account. I have alerted them to this problem several times, with no improvement in service. 

I refinanced the mortgage on my primary residence with a closing date of XX/XX/XXXX, and the loan was transferred to Mr. Cooper. 

My local property tax is due annually in two installments, the first on XX/XX/XXXX and the second on XX/XX/XXXX. The first payment for XXXX was made as part of the closing settlement, and also as part of the settlement I established an escrow account which included funds to cover the second tax payment for XXXX. I expected the mortgage company Mr. Cooper to make the second payment from the escrow account, which they failed to do. The late tax payment is now due on XX/XX/XXXX, with an additional interest assessment of XXXX. I called Mr. Cooper to alert them to the problem on XX/XX/XXXX, and they have not yet made the payment as of XX/XX/XXXX. On XX/XX/XXXX I called them again and they informed me that they will make the payment tomorrow ( on XX/XX/XXXX XXXX, so it will not be received timely and will likely incur additional fees and interest. 

This missed tax payment will affect my XXXX federal and state tax liability, as it will decrease my itemized deductions for tax year XXXX. This will impose a financial hardship on me due to their error in processing the escrow payments. I have not yet determined the amount of this hardship. 

Mr. Cooper was also late in making the payment on my homeowners insurance, which resulted in the insurance company sending a cancellation notice for the policy. The Mr Cooper website shows that the payment, which was due on XX/XX/XXXX, was made by Mr. Cooper on XX/XX/XXXX, but it was not received by my insurance company until XX/XX/XXXX. This is unacceptable and puts me in danger of having the policy cancelled. I understand that there is a grace period for the payment ( until XX/XX/XXXX I believe ), but the untimely payment used up of most of that grace period and I would not have had adequate time and opportunity to secure another policy to protect my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
Requested a loan modification 3 times working with a community organization. The note holder also paid HOA fees in the amount of {$13000.00} and demanding unreasonable repayment options. The note holder also refuses to reduce the interest rate of 6.50 %. 
This company I believe is trying to make it almost impossible to stay in my property I purchased in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
The original creditor is XXXX XXXX XXXX, and the credit card was closed by the creditor due to fraudulent/suspicious activity. I reached out to the original creditor to go over my credit card account. However, the customer service representative who was based out of XXXX wanted me to send him copies of my checking account bank statement. I told him that I did not feel comfortable sending him copies of my bank statements, so the customer care representative based out of XXXX would not help. I disputed the original creditor on all three of my credit bureaus, and the account was removed from all three credit bureaus. This issue took place back in the Fall of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
XX/XX/21 someone named XXXX from some " LLC '' company tried to collect a debt that I do not know. She wanted my name and would not say what she wanted. She was aggressive and rude. I told her I do not have debt and would not give her my name. I told her to never call my house again. Her number was XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation