vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: IL

Complaint narrative:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CREDIT REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This debt was originally with XXXX XXXX XXXX in the amount owed of {$920.00}, however this debt was turned in with a debt consolidation company of XXXX XXXX XXXX in the year of 2017. XXXX XXXX does know this because the consolidation company has already maintained a settlement in place. Even though a settlement has been reached, XXXX XXXX sold the debt to Cach , LLC, who tried to collect the debt but it was too old so now Cach , LLC has sold the debt to another collection agency by the name of Resurgent Capital Services, L.P.. This Resurgent Capital Services company has sent me correspondence asking me to pay this debt, however I have mailed them a letter letting them know that this has been originally turned over to a debt consolidation company. 
It should be against the law for credit agencies to purchase old debts from other collection agencies, and so forth. Once the original debt has reached the statue of limitations, the original credit card companies should be held accountable and fined for selling the debts continuously to other parties, 2nd and 3rd parties sometimes 4 parties. Please help with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received an email indicating that I have a new message in online banking from Chase Bank. However, I've never had an account with them. So, I immediately called and a profile was located. So, I was told to call XXXX XXXX XXXX to file a claim on Monday. I called and was on hold for 2 hours and no one was able to connect me to the correct department. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My issue is not addressed so I just chose one at random. I want to know WHY these bureaus are allowed to manipulate our credit and destroy us with no accountability? 
I have screenshots of where they lowered my score and there is no excuse for this. 
I have an identity theft a few years ago and it nearly destroyed me. I have just recently completely paid off all of the derogatory credit and paid all collections. I paid all credit cards down to a bare minimum balance and some to zero. Also, the bureaus are VERY careless about attaching negative items and such to reports without verifying that they have the right person. I have addresses reported in states that I have never even visited, as well as addresses of relatives and acquaintances that show as mine. 
The only thing left hurting me is a 2015 bankruptcy ( which was result of the identity theft ) and I have student loans from law school that will never in my lifetime be paid. 
I believe that I should have a hardship discharge from all these student loans since I was lied to by the school. and since I am XXXX years old and can no longer work because of health problems. 
However, that aside, these bureaus are destroying us because we have to pay so much more for car insurance, home insurance. It will keep us from getting housing if we need to rent, as well as so many more discriminations because of poor credit. A lot of people have poor credit through no fault of their own. This is unacceptable and it needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
I recently submitted disputes to all three of the major consumer reporting agencies ; XXXX, XXXX, and XXXX regarding an account that was opened without my knowledge or consent. The name of the account was from a company named Sequium Asset Solutions for an apparent bill or account through XXXX XXXX  XXXX I've never owned or received any services from XXXX XXXX XXXX which I included several pieces of supporting documentation in addition with my disputes. For some reason even after being notified from the credit bureaus Sequium Asset Solutions continues to report this fraudulent account to the three consumer reporting agencies which violates the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. This illegal action has caused me to be denied credit and has given a false sense of reflecting an inaccurate credit score. Sequium Asset Solutions must and should be held accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX i learned that I sent Barclaycard ( my XXXX XXXX credit card ) an ACH payment of {$7500.00} from the wrong account and it was returned for insufficient funds. I was told by Barclaycard customer service that they would retry the payment within 3 days or I could call and pay the amount over the phone to avoid a late fee and/or interest. To correct the error I did an immediate transfer of {$7500.00} to the same account the original ( in error ) payment was taken and called Barclaycard that evening ( XX/XX/XXXX ) to make a payment directly from that checking account, using my account number and bank routing number. The payment was processed and posted on XX/XX/XXXX. Barclaycard also put through the retry ACH payment on XX/XX/XXXX, which then was also processed on XX/XX/XXXX and returned for insufficient funds. Of the two payments of {$7500.00}, one was never credited to my account despite me sending my bank account statement showing the funds were sent to Barclaycard and withdrawn from my bank account. I have worked with my bank ( XXXX ), the bill pay company ( FIS ) and apparently the payment was sent to the wrong account number at Barclaycard and they are unable to find it or credit my balance despite me providing the Federal Reserve tracking number for the payment. I have also been working with The Mayors Office of Consumer Information, and despite their numerous letters they sent, Barclaycard would not respond To them so the director ( XXXX XXXX ) advised me to file a complaint with your agency.

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 2020-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
As displayed within a " Monthly Mortgage Statement '' dated XX/XX/XXXX that is enclosed hereto as Exhibit A ; a response letter to me dated XX/XX/XXXX regarding my complaint to the CFPB under complaint number XXXX enclosed hereto as Exhibit A1 ; and a " Payoff Quote '' dated XX/XX/XXXX enclosed hereto as Exhibit A2, XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) continued to : falsely address and designate the XXXX XXXX   XXXX XXXX XXXX as the mortgagor for the subject mortgage loan when no such person existed. ; and falsely declare the subject mortgage loan is due for the payment that came due as of XX/XX/XXXX and the last payment applied was for XX/XX/XXXX, which contradicts the XX/XX/XXXX date of default claimed in Docket No. : XXXX as displayed within the complaint annexed hereto as Exhibit B ; and omits approximately {$21000.00} in payments that were made starting XX/XX/XXXX through XX/XX/XXXX of which approximately {$16000.00} was cashed by XXXX XXXX XXXX, XXXX ( XXXX XXXX ) as displayed within the checks enclosed hereto as Exhibit C. 

Since the inception of the most recent foreclosure action as of XX/XX/XXXX to present date, I have repeatedly raised the foregoing issues regarding the false date of default and concealment of nearly {$21000.00} of payments that I made with approximately $ XXXX being cashed, but the foregoing parties refuse to acknowledge their errors.

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX I did not approve this show me proof I already wrote a letter its been over 45 days no response Did not follow the Fair Credit ACT

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 2020-07-27 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: AR

Complaint narrative:
On XX/XX/2019, I placed freezes on my credit files and reported identity theft due to an account being fraudulently opened with XXXX with my credentials. I contacted XXXX and they immediately closed the account as a fraudulent account. Ive disputed the hard inquiry on my XXXX report multiple times, but still the company refuses to remove it from my credit file. This is an error on Equifaxs part and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/2020 I initiated a mortgage loan application with Wells Fargo to refinance my existing mortgage and requested a cash out to pay off my existing XXXX XXXX loan. Both loans are with Wells Fargo. The amount requested was initially {$120000.00}. On XX/XX/2020 I received a commitment letter approving my loan request. An external appraisal was ordered on XX/XX/2020 and was issued on XX/XX/2020 indicating a house value of {$310000.00}. A closing date was scheduled for late XXXX, but was rescheduled for the first week of XXXX. On XX/XX/XXXX I received a phone call from the bank informing me the bank wouldn't close on the loan because of policy changes that were were put in place while my loan application was in the pipeline. These changes became effective on XX/XX/XXXX and XX/XX/XXXX. The 26th policy change suspended interior inspections for the appraisal because of COVD-19. As such, my loan could not close. The 27th policy change suspended cash out refinance loans. As such, my loan could not close. Both of these actions were applied retroactively, as my application was accepted on XX/XX/XXXX and despite these policy changes, I received a commitment letter dated XX/XX/XXXX. A formal declined letter was issued on XX/XX/2020. Wells Fargo failed to keep me informed of these policy changes and made false representations to me during the course of the loan approval process.

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 2020-07-27 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have a car loan with Ally Financial bank ... I have been a customer with them since XXXX I have always made my car loan payments on time but I went threw a financial hardship in XXXX when I lost my job and I was unable to make my payments on time, Although I wasn't able to make it on time, I still made sure to make my payments ... I also have a few late payments in early XXXX, I lost my job again but decided to drive for XXXX till I find a better paying job.. At the time that was my only source of income trying to maintain all my bills and my XXXX XXXX XXXX financials. I am currently now working with XXXX receiving much better income enough to pay all of my bills ... There is no reason for me to be late anymore ... As of XX/XX/XXXX all of my payments have been on time. I purchased my vehicle for {$20000.00} ... Although I went threw a financial hardship. I am almost done paying my car off.. I only owe {$9000.00} I am really trying my best to do right by continuing my payments on time to maintain a great credit score ... All my credit cards and other accounts are paid on time. I just had problems with my car payments and am asking for a second chance to remove these late payments because they are hurting me mentally and financially.

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 2020-07-27 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: NY

Complaint narrative:
I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts

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 2020-07-27 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: NY

Complaint narrative:
I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts

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 2020-07-27 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
After extended unemployment, we experienced a XXXX foreclosure on our home. It went to auction and sold for enough to pay off all loans and liens. Chase Bank, who had our 2nd loan for {$69000.00}, then charged off their loan in XXXX despite it having been paid off and closed previously in XXXX. Chase called near the end of XXXX to collect on a figure that wasn't even part of any paperwork I had seen ( saying we still owed {$0.00} on the loan ). I thought I had rectified the issue, but I come to find out that they charged off the loan in XXXX when in appeared on my credit report. I called to correct the issue and on 3 different occasions was told different amounts that were owed ( ranging from {$750.00} to the original amount to being told it was verified as paid off ) As of XX/XX/XXXX I have passed along all of the documentation from the county including the check that was sent to Chase and their legal team but can not get a timely resolution to the issue and I need to purchase a new vehicle. I am currently considered an unreliable loan applicant due to this " charge off '' strike on my credit report. I just need to get this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Lane Bryant XXXX XXXX XXXX XXXX, OH XXXX Dear Credit Department I am writing to you today regarding my credit card account XXXX. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting of this account to three credit agencies. During the period of the late payment XX/XX/XXXX. XX/XX/XXXX, I was diagnosed with XXXX XXXX. XX/XX/XXXX. 
During this period, this account was established and had was extremely happy with the service, however not the ideal customer. With the mistakes with my handling of the account, my record-keeping failed to comply with the company and I take full responsibility. When obtaining my credit report, did not realize the impact of my credit score.  At one time I had good to fair credit. 

Knowing payment was my responsibility and I am not attempting to justify this breach of my user agreement, requesting Lane-Bryant to review the circumstances under which this non-payment occurred and reconsider removing the negative trade line associated with this account from all three credit reports. 

As soon as I became aware of the balance, contact was made and will pay the unpaid balance in full. I provided this not to justify why the account became delinquent, but rather to show that the issues with Lane Bryant are not a good indicator of my actual creditworthiness. Please consider working with me on erasing remarks on my credit reports. 

I would like to STRESS the information reported is accurate ( not disputing anything with Lane Bryant am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize this is a unique request. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account of its chooses from the credit report. Im praying this request will be granted for this account. 

Your kind consideration in this matter is greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I took out a loan to purchase a new car that ended up with BBVA. I went online to pay my payment but the system would not let me set up online banking. It would not recognize my social to set up online banking, even though I am clearly listed on the statement. I tried to get help via the phone line but when the associate answered she said she could not help me set up the info because she could not find my social. She transferred me again and I was left on hold for over 30 minutes. I had to hang up after the wait because I had to go back to work. I tried to chat but got no response. I was able to make my payment with an automated over the phone system but still have a late fee that could have been avoided if the system worked. I tried two more times to call and was on hold for over 30 minutes each time trying to set up internet banking. Last, I asked where to make a formal complaint so they would recognize the issue but they closed the chat instead of giving me the info so I chose to complain to the CPFB. They need an online method to fix issues or to answer the incoming calls. If I could easily move my car loan, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I filed a dispute over a transaction that I had made but services were not rendered. The bank allowed themselves 90 days to let me know of the outcome. They just said the merchant didnt respond and the dispute is closed. They said they tried to reach them a second time but it is still considered closed. I called to follow up and asked how am I supposed to get my money back? She just responded sometimes we cant help you. I am out over {$3000.00}. What kind of bank were supposed to trust with our money hardly puts up a fight for their customers? There is not further action they are allowing me to take with them.

Company response to consumer: Closed with monetary relief