vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: NJ

Complaint narrative:
We had loans originated through XXXX ( XXXX  XXXX XXXX XXXX ) in XXXX & XXXX. They were transferred to ACS Education Services, and were subsequently transferred to XXXX XXXX XXXX. During the transition period, we were making payments to ACS. ACS stopped answering the phone, and their website no longer works ( which is not much of a change when they were in business ). Our loans are now serviced by XXXX, and from XXXX to ACS to XXXX we have been making regular monthly payments on the same loan through multiple servicers, and at one point had to make payments to both XXXX and ACS, ACS was supposed to send a refund, they did very late, and we have recently found the checks they sent us. They don't answer the phone, the website tells us to speak to our current servicer ( not their issue ), the bank won't take the checks for deposit, and letters written to their address ( XXXX XXXX XXXXXXXX, XXXX, NY XXXX ) are not responded to. I would like the checks reissued, and I would like a final statement of payments, credits for interest and principal, and a starting and final balance for the times they were servicing our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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:
On XX/XX/2020 at I sent certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that EXPERIAN used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. Out of 16 requests for verification of accounts. ZERO items were deleted. I requested for EXPERIAN to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. 
Furthermore, on XX/XX/2020 I sent a second certified mail written communication to EXPERIAN dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. I received written communication from EXPERIAN on XX/XX/2020 dated XX/XX/2020. I received the same results as the previous EXPERIAN communication. FCRA requires EXPERIAN to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation EXPERIAN received and used to verify the information being reported and maintained in my file. EXPERIAN must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ). I have requested the exact same information from XXXX and XXXX. They have deleted the items of dispute. How did Experian verify these accounts and disputes while XXXX  and XXXX  could not. I will be attaching letters of deletion to this complaint.

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NM

Complaint narrative:
Started an online application on XX/XX/XXXX th, gave XXXX earnest money and all necessary documents that week, since then has been very limited contact from Amerisave mortgage, inconsistent information, misinformation, deceptive or inaccurate statements, attempt to contact, little success. When they do contact me they sound frustrated and befuddled, just say anything to get me off the phone. This company has all my sensitive financial information, am becoming concerned that the company can not complete this loan and doesn't want to admit it, possibly a total scam to get consumers information to sell?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
we have sent payments every single month and company SLS can not figure how to process them. Now they sent one payment back and changing payment history by 30 day late for 3 months after giving us a refund of 1 payment they took 90+ days ago and bank records confirm it sent on time. Now posting monthly payments as late because of their own accounting probelms ...

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have over 5 years with Chase Bank. I have never had a missed payment, negative balance and my credit score is XXXX. I have a personal account, auto loan and business account with chase. During this Covid crisis they decide to send me bank closure account letters for all my credit cards and my personal accounts. There is no reason other then listing " reputational risk '' which makes zero sense to me. Ive called and they give no information. This is not right. They are closing peoples accounts for unknown reasons during a time that getting money and funding is very difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2019 the collection agency HUNTER WARFIELD ( address & phone number below ) filed a {$940.00} collection entry against my credit report on behalf of the original creditor XXXX XXXX XXXX XXXX regarding a lease for a property at XXXX XXXX XXXX XXXX, FL XXXX that they claim I am responsible for. note that the lease they provided is INVALID as the LANDLORDS/Owner ( s ) of XXXX XXXX XXXX XXXX, FL XXXX were - and still are - XXXX, XXXX and XXXX, XXXX [ Tenants in Common ] evidenced by the XXXX County Tax Record file attached. The correct VALID lease provided by XXXX XXXX XXXX ( attached ) reflects this ownership as well. The INVALID lease provided to me by Hunter Warfield ( attached ) indicates that the Landlord/owners of XXXX XXXX XXXX XXXX, FL XXXX were XXXX XXXX and XXXX XXXX which is incorrect ( ie not a valid lease ). I have provided redacted versions of both leases along with a screen shot from the XXXX County Florida Property Appraiser indicating correct ownership of the property located at XXXX XXXX XXXX XXXX, FL XXXX. I have never signed a valid lease for XXXX XXXX XXXX XXXX, FL XXXX nor have I ever resided at the property and therefore dispute this charge in its entirety. Unless Hunter Warfield is able to provide a valid lease I request that the debt immediately be removed from all credit bureaus to which it was submitted. If Hunter Warfield feels as though this lease is legitimate I request that they provide evidence of the LANDLORDS mentioned, XXXX XXXX and XXXX XXXX. 

Thank you, " XXXX '' XXXX XXXX ( XXXX ) XXXX XXXX   XXXX Contact information for Hunter Warfield XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Collection account # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
I had my hours cut due to Covid-19 was having trouble making my mortgage payment tried calling mortgage company for several weeks in XXXX filled out loss mitigation forms online said someone would call back in 3-5 days nobody did. On XX/XX/2020 I lost my job tried calling again for several days finally got ahold of someone on XXXX XXXX was told I had to take a forbearance right then no paperwork or it wouldnt include XXXX and they would report us to the credit bureau and we would owe XXXX now we are getting papers in the mail to fill out proving hardship threatening forclosure and nothing at all about following the CARES act We have a VA backed loan Our mortgage company is Shellpoint Mortgage Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Logged on to the TransUnion website to get my free credit report and TransUnion ended up enrolling me in some subscription service that I do not want. Charged my credit card {$24.00}. The only reason I entered my credit card number was because the TransUnion site requested it as part of my identification! I have found online complaints of many others that this has happened to. This needs to stop. You don't ask someone for their credit card as proof of identity, and then sign then up for some subscription service during the same action. I want my {$24.00} back. 

Perhaps there was something in the fine print somewhere, but when this many people get buffaloed into " agreeing '' to this {$24.00} charge, while thinking they are only entering the information as part of an identity check, it is just wrong. 

I was able to cancel the subscription on the TransUnion website, but there is no such place to cancel this charge for something I never even knew was going to be charged. Calling TransUnion just gave me a message that " ... .there is nobody here to take you call ... '' This was at XXXX on Tuesday.

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the bureaus are reporting an account that i paid off as late when i have a letter directly from the creditor stating that i was not late

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 2020-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
I have been with Pacific Western Bank, or the banks it acquired, for 24 years. I have both my personal and business accounts in the XXXX XXXX branch in XXXX XXXX. My company also uses the XXXX branch for our deposits from our XXXX office. With few exceptions the relationship with PWB has been symbiotic and professional until recently. As it stands now, a PWB manager is engaging in practices that are putting my business at risk and causing vendors and employees to go unpaid. 

Roughly a month and a half ago, XXXX XXXX, manager of the XXXX XXXX XXXX, began placing holds on our deposits. In some instances she would place a hold on only one of several checks deposited. In other instances she would place a hold on all checks deposited. The holds would be placed without her having reviewed the checks in person and without any personal knowledge of who the check issuers were or the amounts of specific checks. In two instances, at least, she placed 7-10 day holds on cashier 's checks from known depositors with whom we bank with weekly. As far as I can recollect, this year there has only been one instance where a check was returned to PWB from one of our client 's issuing banks for NSF. There was also only one instance of a check being returned due to a stop payment being issued. Those two instances were apparently the trigger for the scrutiny that XXXX XXXX is now indiscriminately wielding on all deposits. 

When I have inquired as to why she is doing this, her responses, the few times she answers my calls or emails, can be summarized as she must protect the interest of the bank and it's employees. How can that be done when she is single-handedly putting one of it's longest standing business clients out of business? 

As it stands today, she has over $ XXXX of my deposits on hold. As a result none of my employees were paid last week and remain unpaid, our primary vendor also remains unpaid, and I am spending more time and energy responding to her decisions to hold our money than I do responding to the needs of my employees during this difficult time. It is unconscionable that a company that is continually making deposits and capable of paying it's employees, albeit difficult, is unable to do so because it's bank manager has chosen to hold all it's deposits while the federal government is giving away billions to avoid this very issue. 

I am requesting all holds be removed from my deposits and that my accounts be transferred to a different branch with a different manager,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We, XXXX XXXX XXXX XXXX, wire transferred {$7800.00} on XX/XX/2020 from our Wells Fargo account/ XXXX PORTAL, to XXXX XX/XX/XXXXXXXX , XXXX XXXX XXXX XXXX XXXX XXXX Because we listed the beneficiary account number as same as ABA number of XXXX. So the beneficiary never received the money. We opened a recall case, case # XXXX, with Wells Fargo on XX/XX/2020. After two weeks Wells Fargo closed the case with a reason of no response from XXXX. We called Wells Fargo again and reopened another case. Same answer again on XX/XX/2020. We called XXXX and they answered the phone and said the fund of {$7700.00} was returned to Wells Fargo on XX/XX/2020 with a tracking number of XXXX  XXXX # XXXX. XXXX changed {$25.00} for bank service fee so there is a difference between the amount we wired and the amount refunded. 
We have called the Wells Fargo almost every day after XX/XX/XXXX, XXXX to now. Wells Fargo representatives refuse 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 2020-04-14 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: FL

Complaint narrative:
sequium asset solutions is reporting ( 2 ) accounts on all three of my credit files. the collection account is fron XXXX. I took several calls from them and had to jump through hoops for them to verify. i ask them if you are calling me why should i give you my personal info so you have it. but after a couple of minutes of going back and forth i gave it to them. they told me they would remove it because I GAVE THEM MY CURRENT ACCOUNT WITH XXXX AND SIMPLY ASKED IF i owed money how would I HVE AN ACCOUNT NOW AND FOR THE LAST 10 YEARS. 
AND THEN THEY REPORTED THE TWO ACCOUNTS A FEW DAYS LATER ON XXXX, XXXX AND XXXX.XXXXPLEASE HELP 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 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/ contacted Discover They are willing to defer payments due to virus but are still charging an outrageous interest amount and arent willing to remove it. 
I have another credit card that is doing both. These are the only two credit cards I have.

Discover is taking advantage of people with no income by charging outrageous interest rates during this crisis!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: SC

Complaint narrative:
This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
In XXXX there seemed to be an account with Rushmore mortgage which I never applied for nor did I hold a mortgage with. I signed, notarized and mailed my identity theft affidavit more than 3 times since XXXX. Also, I had filed a case with USPS with the Post Master General regarding theft from my mail box possible he whole apartment complex which I lived at the time. I never received any information, no letters, no certified letters nor statements for the account in question. I also hired several law firms to help correct this and yet XXXX  refuses to remove this from my credit report. I mailed Rushmore and they do not find me in their system with my name and/or information. 
XXXX  has refused to provide me with who, where and when they verified the information. Also, they have failed to provide me with the original documentation which they claim is accurate. Since Rushmore is not able to find my information, they can't provide me with any information, which has been relayed to XXXX and they still refuse to remove. I have spent over {$5000.00} in legal fees and XXXX 's of hours trying to remove this since XXXX I have sent certified letters to both Rushmore and to XXXX. There is no report of this account on XXXX  or XXXX, with my proof they both removed this item, except for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: MO

Complaint narrative:
On XX/XX/20 XXXX transactions were fraudulently made on our Netspend account. One was for XXXX. That was a XXXX XXXX XXXX XXXX online. The 2nd one was for XXXX also a XXXX XXXX XXXX XXXX online. The 3rd transaction was for XXXX and it was sent from my account to another Netspend account. The other account it was sent to was someone I do not know. The name on my activity report is XXXX XXXX. Again, I do not know anyone named that. We became aware of these fraudulent charges the next morning, XX/XX/20 and contacted Netspend immediately. They told me they would need 10 days to look into it and on XX/XX/20 Netspend sent me an email stating that they determined no error in all 3 transactions and no changes would be made to our account. Again, we do not know any XXXX XXXX and we have never made any transactions online with XXXX XXXX. Those purchases were made without mine or my spouse 's knowledge. Thank you for your time

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 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
Provident Funding Associates, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Provident Funding Associates denied a refinance on our second home. Their underwriters tried to force us into a " rental '' mortgage ( at a higher rate ) because our grown daughter lives in the home. Tried to call it a rental even though she is on Title to the home along with us. This deception and attempted coercion should be punished. Provident was aware going into this refinance that it was a second home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: CA

Complaint narrative:
the bureaus are reporting an account that i paid off as late when i have a letter directly from the creditor stating that i was not late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
the bureaus are reporting an account that i paid off as late when i have a letter directly from the creditor stating that i was not late

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