vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 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:
On XX/XX/XXXX I purchased a cell phone from one of XXXX XXXX XXXX 's retailers for {$570.00} and had buyers remorse less than 7 days after purchase of the phone plan. I returned the device back to the retailer and was handed a detailed receipt/confirmation of device returned. This account was sent to collection in the amount of {$580.00} in XX/XX/XXXX. I'm am being charged for a device that they have receipt of receiving. I have contacted XXXX XXXX XXXX as well as the Collections agency ( Sequium Asset Solutions , LLC ) several times over the past several months to attempt to resolve this issue with no luck. Ultimately, I spoke to XXXX XXXX in customer care on XX/XX/XXXX regarding my complaint and was informed that this would be resolved within 30 days with XXXX XXXX XXXX, the credit bureaus, and the collection agency. A confirmation email was sent to me ( I will attach ) with the summary of our conversation with no resolution to date as I keep getting tossed around to different departments with no one taking initiative to help resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AFNI INC.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NV

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian to dispute an address that do not belong to me. I have never lived at the address being reported. Experian will not remove the address because it is attached to an account. An account that contains inaccurate information. I would like supporting documentation of the decision being made to determine this address belongs to me, if this information can not be provided please deleted this address XXXX XXXX  XXXX XXXX. XXXX, TN 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
Consumer complaint received 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. 

Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. 
I figured later that I was trapped. 

I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. 

I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. 
I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. 
My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CT

Complaint narrative:
I have made several attempts with zero responses from the bureaus. I sent first class mail on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.

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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
See attached. My Discover Card was stolen in 2017. The card was used and then fraudulent payments were made to exceed credit limit. Discover refuses to send transcripts of phone calls and the method of payments used by the crooks. With these items, I can prove that the calls were not me and the accounts used to make payments were not mine. This would also assist me to prosecute the crook. But Discover refuses to send this information and continues to deny fraud and identity theft. And Discover simply states " without new and different information we may not respond to future correspondence. '' Attached is an affidavit that Discover can review and disprove. The affidavit is clear but if the affidavit is not satisfactory to Discover ; I will send whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CAINE & WEINER COMPANY, INC.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I got a letter from Citibank on XX/XX/2020 saying my checking account will be closed in 60 days. There was a remaining fund when the account was closed. The amount was {$77000.00} ( as showing on the final statement ). 
The ACH transfer of {$76000.00} on XX/XX/2020 was returned to the original bank on XXXX/XXXX/2020. So there should be a {$700.00} remaining fund on the account. 
I have never got the refund check for that amount. I have contacted customer service countless times and they were unable to 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 explanation
Consumer complaint received 2020-11-18 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: CT

Complaint narrative:
I have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.

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 2020-11-18 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: CT

Complaint narrative:
I have made several attempts with zero responses from the bureaus. I sent first class mail on XXXX/XXXX/20, XXXX/XXXX/20, XXXX/20, XXXX/XXXX/20, XX/XX/20 and XXXX/XXXX/20. How is it possible that I send all these letters with no investigations back nor any results. I have so many errors in my credit report that need to be deleted. I am trying to buy a house but due to incorrect information hurting my scores I can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX, Transunion and XXXX  continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX XXXX and Equifax continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The company causing me distress is Experian. they keep reporting false and misleading information on my credit report. when I reviewed all the accounts, I noticed the " date opened '' " date of the last activity '' and " payment Status '' were all inconsistent. I requested a consumer credit application which I signed and they could not produce one. i contacted each of the companies and they also count not produce the consumer credit application so I had to sue them. Experian has continued to violate my rights according to the FCRA.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX Capital One received an entire outstanding balance payment of {$63.00} from me and should have been a XXXX  balance. They claim the bill was due XXXX. A bill for annual membership {$25.00} which was not designated on the bill plus a {$.00} interest arrived XX/XX/XXXX. I inquired via telephone about the {$25.00} fee and was told it was annual membership fee. I told the call center rep. I did not want to pay a member fee and she stated no supervisor was on duty to resolve the problem. On XX/XX/XXXX I closed the account because I believed the Capital One organization was commuting financial fraud against senior citizens in their billing practices and lack of forthright listings on the billing paper form. Calling back to Capital One on XX/XX/XXXX after receiving the XXXX billing statement which was now {$51.00} with an unlisted late fee of {$25.00}. The minimum suggested payment due is {$51.00} leaving {$.00} balance to start all over a chance for the next minimum interest of {$.00} and possible late fees. Two employees were unable to fairly resolve this dispute. I closed the account and believe I only owe the {$.00} interest and no fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX  XXXX XXXX Chase Bank authorized transaction on a business credit card that had been closed for almost a year. Contacted Chase Bank and the issue is hopefully resolved but my faith is low. Only knew about it because my personal email receives the business statements and the account is paperless and has automatic payments setup. 

Today, XXXX/XXXX/2020, I received an email from Chase Bank about a credit card payment due next month. I didn't recognize the last four digits of the credit card, so I called Chase to report fraud. Come to find out that the credit card being charged is my CLOSED business credit card from my CLOSED business and the business checking account to get the credit card is CLOSED. All balances were XXXX. I can not access statements or any information about those accounts from their website. The business checking and credit card were closed at a local Chase Bank branch with the Bank Manager. Chase Bank is the fraudulent entity here. 

Chase Bank authorizes transactions on closed credit cards and the account holder can be blindsided with fraudulent charges, rapidly accruing fees, and poor credit reports. All without the account holder knowing. I only knew because I have the CLOSED credit card statements sent to my personal email. But that account shouldn't exist and should be closed. But it's not. The account holder carries way too much risk here. This loophole that Chase Bank is allowed to exploit can ruin someone without their knowledge. Chase Bank is authorizing charges on closed credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is wrong personal information on my report with Experian. Someone else 's name, social security number and addresses. I have tr I'd to get these removed several times. I sent proof of my name, address, and social security number. But they keep using a closed account to verify the information and I'm not even sure that account is not fraudulent .... 
There were 2 data breaches at 2 different hospitals I have worked at and I also found out a tax company had combined mine as well as anot her XXXX information. The other person had the same name but ss number, address and date of birth was different. I recently had a call from a recruiter and they had my name, my phone number but had another person 's address being in a state I have never lived as well as the wrong social security number. 
Per the law by me giving the proof with photo ID of who I am this wrong information should have been removed. They are refusing to remove the incorrect information which is causing me to have issues financially, job wise and this needs corrected. 
Please 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 explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
Beginning on XX/XX/XXXX2020 we began the process of refinancing our home to lower our monthly payment. It was supposed to be a simple rate and term refinance. We received conditional approval on XX/XX/XXXX and were given what conditions needed to be met on XX/XX/XXXX. We began working immediately on getting the company the documents they requested but we had several questions about some of the documents being requested, and they told us not to worry about giving them those documents requested. The mortgage company then took 6 weeks to get back to us ( the end of XXXX ) just to tell us never mind we do need the documents that we told you not to worry about after all, as well as requesting several other documents that they had never requested. Within 3 business days I had all requested documents to them. Then we waited another 2 weeks just to be told that they needed even more documents ( due to COVID- I only discovered this after I reached out to a different lender about switching our refinance to them ). Then came time to close we signed the paperwork on XX/XX/XXXX2020 and closed, and the next morning after the closing documents were signed they came back and said we can't secure the financing because you now have 2 car payments. I was told in an email that if we paid off one of the car loans then we could close. So we paid off one of the car loans, and then the mortgage company took too long to process the paperwork and the appraisal on our house was no longer valid. They did not inform us with due time that the old appraisal was expiring nor did they look ahead with fore site to prevent this delay. It is now XX/XX/XXXX20 and the company is continuing to drag their feet on the closing of the refinance of our home. We have met and exceeded their requirements. I have spoken with numerous managers who say they are working on it but nothing is actually being done. I understand that their is high volume but closing on our house should be the easiest thing and they are twiddling their thumbs.

Company response to consumer: Closed with explanation