vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 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: MT

Complaint narrative:
I was notified on XX/XX/2020 by my credit card company ( XXXX XXXX XXXX ) that my credit score plummeted 133 point from XXXX. So I ran my credit reports to see what the issue was. Apparently, I was referred to collections ( Sequium Asset Solutions Inc. ) on XX/XX/2020 by XXXX  XXXX for {$690.00}. I have never done business with either, XXXX  XXXX  or Sequium Asset Solutions, or received any communications. 

I proceeded to call XXXX XXXX  on XX/XX/2020 to see what the issue was. They told me they had no records of me!! Then I called Sequium Asset Solutions on XX/XX/2020 and they had no records of me. 

I spoke with representatives from XXXX, XXXX  and XXXX  to file fraud complaints ( XX/XX/2020 ). To date, XXXX has restored my credit score back to XXXX. I am still waiting for resolutions from the other two credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
The late payment on my account came from me being a victim of identity thief I have police reports which I sent to the credit borough numerous times still has not been deleted. I am in the process of obtaining a Mortgage and this information is hurting me very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NJ

Complaint narrative:
The late payment on my account came from me being a victim of identity thief I have police reports which I sent to the credit borough numerous times still has not been deleted. I am in the process of obtaining a Mortgage and this information is hurting me very bad.

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 2020-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It's impossible to reach Experian over the phone. This has been my experience in the past 4 weeks when trying : 1. Being disconnected after a long hold ; 2. Being disconnected when someone who introduced herself as XXXX ( with a heavy XXXX accent ) replied but before I even began explaining what I need ; this was the only time when I was able to reach a human being out of at least XXXX attempts ; 3. Lately there has been no option to reach a person for any reason, there are only a couple of automated options that don't cover my needs. 

Also the options to dispute on line are limited to elements selected by Experian and their responses are extremely vague.

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 2020-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have paid my balance in full to XXXX  XXXX XXXX  and received acknowledgement when I moved out. I had XXXX balance. Hunter Warfield is claiming had a balance and trying to make me settle for 1/2 the amount. They're trying to get me to go to XXXX  and pay.

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 2020-12-09 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: NC

Complaint narrative:
I have inquiries that I did not authorize and one late payment that is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I placed three XXXX Payments through Barclay 's Credit Card. I've been making utility payment and bill payments through XXXX on many other cards for a year with no fees or problems. 

The payments were made on the following dates, with the corresponding charges, XX/XX/XXXX XXXX Payment for {$410.00} / Fee of {$20.00} XX/XX/XXXX XXXX Payment for {$360.00} / Fee of {$17.00} XX/XX/XXXX XXXX Payment for {$1200.00} / Fee of {$63.00} No where does it state that paying a bill by a service like XXXX cost 5 %, plus they are charging me interest on the cash advance Fee ( they were not cash advances ), all the way up until I pay for them, even though the bill for said interest is not due until XX/XX/XXXX. 

I explained to them that they weren't cash advances and I did not know they would be charged that and they refuse to credit me these charges back.

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 2020-12-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I made an online purchase on XX/XX/2020 by XXXX XXXX in the amount of {$210.00}, using my Chase Sapphire credit card. On XX/XX/2020 I checked the status of the order through the tracking # provided, it came up that the order arrived on XX/XX/2020. Since I received no delivery, I reached out to XXXX on XX/XX/2020 and was told I need to check it with XXXX since they can not follow up past 7 days of delivery date. I tried to reach out to XXXX numerous times by phone and email but I received no response, evidently due to COVID. XXXX refused to credit me for the purchase as well, so I went ahead and disputed the charge with Chase. At that time I was told by Chase rep they will remove the charge and look into it. 2 billing cycles later I see the charge back as a REBILL for the full amount plus interest that I am paying till now. The reasoning they gave is that XXXX received a confirmation from XXXX  that the package was dropped off at the house. I tried numerous times to reach out to Chase and send them numerous letters as requested from them. They are only dragging me around and refuse to give me the credit. 
I believe this is extremely unfair and unjust, the package was a big box that I could not have missed, had it actually arrived, I looked out for it on a daily basis and don't think I could of missed it. I don't think it is my business what happened t the package or if the driver maybe stole it, the fact is, no one rang my bell and I do not feel I need to pay for something I did not receive. I do feel I should receive the full credit for this purchase plus the interest I am paying all these months. 
I have documented proof for all correspondence if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: TX

Complaint narrative:
I have disputed an account on my XXXX, XXXX and Transunion report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, XXXX  and Transunion to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, XXXX  and Transunion as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # 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 2020-12-09 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: TX

Complaint narrative:
I have disputed an account on my XXXX, Experian and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, experian and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, Experian and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # 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 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA Inc has not only put me a predatory loan that was subprime but has failed to respond to a letter of demand requesting my " Internal score '' that allowed them to give me a loan at over 20 % interest and after 2 years of paying this it has actually gone up somehow. This company was sued by XXXX attorney generals and settled out of court as being the largest subprime auto loan company ever. I did my research and sent a LOD ( Letter of Demand ) with 30 days to respond and they completely disregarded me even though I stated that I will consider it a silent admission of guilt if they do not respond, and if they repossess the vehicle I will sue them for damages. Instead of responding with any information at all, they sent me a repossession letter and a bill saying I owe them {$1400.00} when they XXXX me over in the first place with this loan. Please help me to get them to do the right thing! They have not answered calls or letters about this issue and now are going to attempt to take my car. This company is unprofessional, unfair, and downright abusive. Threatening me when they know they were in the wrong and then treating me like XXXX in the process, I will make sure to let others know how deceptive and fraudulent this company is toward customers that are unsuspecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
Good Afternoon, My husband and I recently refinanced our mortgage that was being serviced by Dovenmuehle and were due an escrow refund of over {$800.00}. At the time we were refinancing, we received notification from Dovenmuehle that they were transferring our mortgage to a new servicer as of XX/XX/XXXX. The final payment to Dovenmuehle posted on XX/XX/XXXX and our account shows that it has been paid in full since that date. 

On XX/XX/XXXX, I called Dovenmuehle to confirm the payoff was received and to confirm when we would receive our escrow refund. They advised a check would be issued within 17 days of the mortgage payoff. On XX/XX/XXXX, I saw that the refund had not been issued and I sent a message through the secure message center in my account. After a few days, I had not received a reply. 

I called Dovenmuehle on XX/XX/XXXX and spoke with another representative who informed me they were not clear on where the money was or who would be refunding the escrow balance to us, Dovenmuehle or the company they transferred the mortgage to. The information on my mortgage account online showed the escrow funds were still with Dovenmuehle. They submitted a task to have my account reviewed and advised me to check back with them in a couple weeks. 

I attempted another email on XX/XX/XXXX which was also ignored so I called again on XX/XX/XXXX. I spoke with XXXX different associates because my initial call was disconnected. When I spoke with the second representative she assured me yet another task for my refund had been started by the first representative. I believe I was given another XXXX week time frame and I set a reminder to follow up again. 

As of XX/XX/XXXX, the escrow refund was still not generated and I called yet again and spoke with XXXX. This time I was on the phone for XXXX minutes and she let me know that per her supervisor, XXXX XXXX, the task that was submitted never actually requested a refund of the escrow account ( I'm unclear what the task could have possibly requested since that is the only thing left to close out my account with Dovenmuehle ) and after some back and forth she was able to give me the estimated refund date of XX/XX/XXXX. 

This account have been refunded and closed out in XX/XX/XXXX and instead I have been consistently given the run-around for months. An estimated date of XX/XX/XXXX is completely unacceptable per the Consumer Financial Protection Bureau ( XXXX Timely escrow payments and treatment of escrow account balances. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I'm not sure why my last complaint was closed. This is a continuance of that complaint. It seems when a company responds, that's enough to close the complaint on the consumer? 

The company, over a series of communications, as abjectly refused to address any of the issues I've raised directly. The phone conversations I've had bear no resemblance to the written communication and the company refuses to address these issues and the information I've provided directly. 

Most recently, they sent as some kind of evidence to me, a copy of what they identified as my loan account with them. Unfortunately, the documentation they sent does not have anything to do with me. It is not my name, not my car, not my loan, not my address or SSN. It is also for a loan amount significantly higher than my loan. If this is what they have on record for me, I have a few issues that need to be addressed, including : - Why do they think this is my loan? 
- Is this the loan documentation attached to my account? 
- If it is, how was this mistake made? 
- Is the owner of this loan aware they they sent their private financial information to someone else? 

I'm planning to reach out to the person named in this loan to advise them that Wells Fargo shared their loan information with someone not listed on the account as they may be having a similar problem with the company that I am.

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 2020-12-09 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is SELF EMPLOYED This is my only number XXXX All other telephone numbers are not accurate

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 2020-12-09 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: FL

Complaint narrative:
Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: NC

Complaint narrative:
I have unauthorized inquiries one late payment and one account that does not belong to me see enclosed letter

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 2020-12-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Reliacard locked my account because they said I had to prove my identity, send me ID, S.S., fax it to them. I did on the XXXX different occasions. Then after 3 weeks, now there telling me they still wont unlock it and I have to get in touch with PA Treasury who is impossible to get on the phone with. I need my money, I have bills, groceries, etc! I need 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 2020-12-09 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: FL

Complaint narrative:
Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.

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