vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Back in XX/XX/2019 it was a computer glitch in the system and it had me being 30 days late in which im current now as you can see and has been paying my bills on time every since i would like for them to remove the late payment and they dont want to do it so i need you all helps

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANNER CORPORATION
State: WA

Complaint narrative:
In XX/XX/XXXX my husband and I opened a construction loan with Banner Bank for our primary residence. The loan amount was {$810000.00}. The construction loan was supposed to convert to a conventional mortgage automatically after completion of the home. Unfortunately, our builder walked off the project XX/XX/XXXX after destroying our septic Field causing {$50000.00} in mitigation losses. 

Banner Bank was notified that the builder had walked off the project and that I was working towards completion. Since XX/XX/XXXX, we have been paying for a monthly extension on our construction loan until we can obtain a Certificate of Occupancy. 

In XX/XX/XXXX, Banner Bank decided they no longer wanted to wait for the completion of our primary residence and converted our construction loan into a mortgage without our permission and without a Certificate of Occupancy. We are paying principal and interest on the entire amount of the construction loan even though Banner Bank refuses to release the remaining {$54000.00} until completion. 

Banner Bank has told us that the last 10 % of the construction loan funds could not be dispersed or reapplies to our principal until we received a Certificate of Occupancy and all liens are satisfied. They stated that the unused funds ( {$54000.00} XXXX would remain in an escrow account and we would still have to pay principal and interest on the escrow account. 

I have explained to Banner Bank that we are in litigation with the builder to have his unjustified lien released and that I havent been able to get a Certificate of Occupancy due to the county inspections being closed during the pandemic but they refused to hold off on the mortgage conversion. I also explained that this action puts us in undue hardship during the pandemic because we now have to pay for principal and interest on a property which we can not legally live in, homeowners insurance we do not qualify for since the house is not complete, and a higher amount of property taxes which will essentially sit in their escrow account. We are also locked into a 5 % interest rate 30-year-mortgage without the ability to refinance because we do not have a Certificate of Occupancy.

They have refused to explain how they can legally do this and when we were advised that this action could happen. Every time we ask to elevate this issue they ignore our questions and refuse to work with us to achieve a resolution. I have emailed the head of the mortgage/construction Department with no answer. The person who has been corresponding with me is XXXX XXXX, Assistant Vice President, Custom Construction Supervisor. She refuses to answer our questions and has told us twice to talk to our lawyer because Banner Bank is operating under standard practices in their industry.

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 2020-05-21 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax is reporting 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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
State: KY

Complaint narrative:
I haven't had " XXXX XXXX '' or any of their subsidiaries for years. Once I tried their services in 2007 but since I have had a competitor. On XX/XX/XXXX I get a notification from a collection agency saying that on XX/XX/XXXX I let my " XXXX XXXX '' debt go into collections. I had their competitor on that date. A salesman came by and offered to start services but I declined. It looks like he signed me up anyway. 

I do not owe " XXXX XXXX '' a 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 2020-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2017 I purchased a water system for the property i owned with my spouse located at XXXX XXXX XXXX XXXX XXXX Texas XXXX. It was purchased during a home visit through XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas XXXX. Dealer # XXXX. The representative 's name was XXXX XXXX. I filled a charge slip and was approved for the total amount of {$6900.00}. 
when I asked Mr. XXXX about the financing I was told it was a revolving credit card with a company Called Aqua Finance XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. 
Now some 3+ years later we are selling the home and are now told that there is a lien on our property that has to be paid. 
Today when I contacted XXXX XXXX XXXX  ' Area manager at the time of sale ; XXXX XXXX she informed me that as a representative of XXXX XXXX XXXX Mr. XXXX and herself were not aware of this. Did not inform any of their buyers that this was the case because they were never given knowledge of this. 
I feel that this was deceptive trade and something needs to be done about this. 
We have paid as agreed and have signed an agreement with the new owners to continue to pay until the system is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been part of the Public Service Loan Forgiveness ( PSFL ) Program for several years. On XX/XX/XXXX I uploaded the PSLF Certification form that indicates I have worked for the State of California for the past year and to continue my participation in the program to my federal loan servicer FedLoan. Due to the national health crisis all California State employees are working from home and do not have access to regular work flows. My HR representative and I provided electronic signatures to validate the certification. On XX/XX/XXXX I received correspondence from FedLoan that stated electronic signatures are not valid and only wet signatures will be accepted. This is in direct violation of the U.S. Electronic Signatures in Global and National Commerce ( ESIGN ) Act of 2000 and the Uniform Electronic Transaction Act ( UETA ). With the passage of the ESIGN Act of 2000, electronic signatures became legal in all states and U.S. territories where federal law applies. Electronic Signatures refers to any electronic process that indicates acceptance of an agreement or record. My electronic signature and the HR personnel 's electronic signature that were provided on my PSLF certification fit this definition. Furthermore, they are requesting that I ignore county and federal health recommendations to obtain a wet signature when electronic signatures are valid and legally binding. I wrote to FedLoan on XX/XX/XXXX to explain this and received an email from XXXX at FedLoan stating that only wet signatures were accepted. This is an illegal policy. 
Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an alert from Citi Bank Credit Cards on XX/XX/XXXX at XXXX am about a potential fraudulent charge at Home Depot for {$520.00}. I immediately called the credit card company and told them I did not make the charge. We also discovered at that time on XX/XX/XXXX that a charge for {$410.00} had been made on XX/XX/XXXX at XXXX XXXX and I informed them that also was not my charge. That this credit card had been in my wallet and I had not left my house in over a month due to covid-19. 
I received an email on XXXX that Citi requested that I contact them about my dispute by XX/XX/XXXX. I called them on XXXX and was disconnected by someone claiming they couldn't hear me. I called again on XXXX and finally got through to someone to see what their question was and they simply asked if the card had been in my possession at the time of the transactions. I told them it had. It had been in my wallet and I have not used in the card in a very long time. 
Today, XX/XX/XXXX, I received a letter from Citi stating that my dispute has been closed and the card 's XXXX chip was used to make the disputed transactions at a chip enabled card reader and I verified the card had been in my possession so I am responsible for the charges. I did not make either of these charges and there are no other copies of my credit card that anyone could have had. The card never left my wallet. I called Citi Bank again today on XX/XX/XXXX and spoke to a representative who told me there is nothing more they can do. I asked if they had asked for video proof with the merchants to show it was not me making the transactions and I was told they would still investigate, but I am responsible for the charges. And, if I pay for these charges and they are successful with getting the money back from the c

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 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
I received a phone call a few weeks ago concerning a debt owed to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. 
There is a further reference about a XXXX XXXX XXXX, I don't know of them either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX  XXXX  XXXX  XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.

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 2020-05-21 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: CA

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5000.00} or reporting ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) The original creditor on this account is XXXX XXXX XXXX XXXX. XXXX sold this account to XXXX  and XXXX  has illegally been charging additional interest on this account. I have attached pages ( 1 ) and ( 2 ) of the Installment Loan Agreement for reference. Please note on page ( 1 ) the annual percentage rate being charged is 197.17 % ; on page ( 2 ) in the Promise to Pay section the interest rate being calculated is 200.00 % per year. First, these interest rates CLEARLY are illegal as they exceed the limit of what California could ever charge on a loan ; Second, this is PREDATORY LENDING to say the least ; and Third, Pursuant to California Assembly Bill 539 - - this Bill ends a decades-long practice of charging borrowers who take out loans between {$2500.00} and {$10000.00} with interest that can exceed 200 percent. The rate will now be capped at the nationally recommended 36 percent, whats considered a compromise between lenders and consumer advocates. This account needs to report a {$0.00} balance. There is no outstanding balance due and nothing to collect and/or chargeoff. It is also a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to update this account however, I have not been successful.

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 2020-05-21 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: Account Brokers Inc.
State: CO

Complaint narrative:
XXXX  is reporting 3 collections that should be deleted as the collections agency was collecting on the debt previously since 2018 for a large consolidated account that was in litigated. I did not received notice. Once I was made aware of tehse accounts through my mortgage broker. I contracted the debt collector paid the accounts in full and the debt collection agency agreed to remove the accounts delete them from my credit report as I did not receive notice. I am being denied a mortgage as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XX/XX/2020 a company in which I am a 50 % owner, XXXX XXXX XXXX, borrowed funds under three separate mortgages from XXXX XXXX XXXX to purchase properties at XXXX, XXXX and XXXX XXXX XXXX XXXX  in XXXX XXXX, Colorado. Subsequently we were advised that you had taken over these mortgages. 

In XXXX I noticed that these loans appeared on my personal credit report, even though the loans are in the name of XXXX XXXX XXXX and title to the properties is in the name of XXXX XXXX XXXX. I called and spoke with a gentleman who said he would get it taken care of. Two of these loans appear on my XXXX  and XXXX  report, and three of them on my XXXX  report. I have spoken to the company several times and sent a letter explaining the situation but the company is not fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I called Wells Fargo for information about what to do With mortgage during covid pandemic being wife and I lost our employment during New York State pause order. I was offered a forbearance agreement or deferral that I was assured I would receive paper work on and it would not be reported to credit reporting agency during this time of national pandemic. I was reluctant to go into anything but requested information be sent to me. 
Credit report indicates In forbearance it also indicates last payment received was XXXX but I have paid XXXX XXXX and XXXX. This has negatively affected My credit with all credit reporting agencies. I did not sign anything to agree to forbearance and subsequent calls to them I stressed that Im paying my mortgage and dont want a forbearance. Instead they listed it on my credit without authorization. When I called them they said it was an error n they are working on it. They ruined my wife and my credit.

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 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
I was alerted on my credit report of a collection I owed. The original debt was stated from XXXX XXXX. The agencys name is Sequium Asset Solutions. I have never been contacted by the collection agency. I called XXXX and they confirmed I had no debt. When I called the collection agency directly the person answered hey. No mention of the company name. Many online reviews show this company as a scam. I put in a dispute with XXXX  and XXXX  and both came back confirmed. I figured since this is an unethical company. Its unnerving how these credit agencies allow shady companies to affect your credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: FL

Complaint narrative:
At the end of XXXX, XXXX falsely reported my account was 30 days late. My credit score with Trans Union dropped over 50 points. XXXX has since corrected this error, and my score has not gone back up. Nothing on my credit report is different. If anything, I have paid off an account, and significantly paid on other accounts. Yet Trans Union refuses to correct their error and restore my credit score to where it needs to be, despite removing the adverse information from my report. My score actually went down 2 points after they corrected this issue. How is that even possible?

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