vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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 — Problem with personal statement of dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
SW CREDIT SYSTEMS INC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, SW CREDIT SYSTEMS INC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: WI

Complaint narrative:
I currently have a loan through " Figure XXXX '' and I am attempting to refinance through " Earnest. '' On XX/XX/XXXX, the dispersement was sent from Earnest to XXXX but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, Earnest states they resent the payment to XXXX, but due to this not being an " Earnest error, '' I was charged interest for the days that Earnest did not have the money. This totals {$430.00} in interest that was accrued on my Earnest loan even though XXXX states they never received payment. XXXX also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though XXXX has still not received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and associates has multiple collections accounts on my experience credit profile I have disputed multiple times with XXXX and some of the accounts have been deleted but there are several they are claiming are verified as accurate and refuse to remove this is negatively impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint narrative:
I have been seeking instructions to pay from an overseas bank account for months. I have moved out of the US and do not have a XXXX XXXX account. I have tried seeking this information by email, by messenger on the Navient website, and by phone. When calling I am told they will look this up and call me back. I get no return call. Over email I get a form message that they can not give me information over email and to call. Over the Navient website messaging I get no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
In XX/XX/2020 I deposited numerous checks totalling XXXX. 
immediately after depositing the checks my account was frozen my debit card was frozen and reported as lost or stolen by the bank themselves because I never called to report that. I've called them numerous times to have my funds released or to mail me back the checks or to do something but they have done nothing and I want my money it's over {$7000.00}. I've been a customer with this bank for over 2 years and I'm just really confused as to why all of a sudden they're harassing me like they are I just want my money I want to close my account and I want my money. And I want this complaint listed as a complaint on their site or wherever you guys 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 2020-11-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 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 2020-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I currently have a loan through " Figure MOHELA '' and I am attempting to refinance through " XXXX. '' On XX/XX/XXXX, the dispersement was sent from XXXX to MOHELA but was refunded for some reason. I have spoken to reps from each company multiple times and neither will take fault for the error. On XX/XX/XXXX, XXXX states they resent the payment to MOHELA. XXXX states that this was not an XXXX error and MOHELA also states that it is not their fault because they would only send back payment if " sent to an incorrect address for a different loan type. '' Currently as of today, XX/XX/XXXX, it seems as though MOHELA has still not received payment. I am still collecting the interest at the higher rate with MOHELA at 4.05 % compared to my new rate with XXXX at 3.96 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
1. I have disputed the debt as invalid multiple times ( on phone and through letters ) but they refuse to acknowledge it and provide more details. 

2. However, they keep calling me and sending me letters in the mail multiple times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed by a company who told me they were XXXX.I received an email from XXXX saying my account was suspended and to login to my account. I didn't do that I went to website and called the number and was told I needed to verify my card information on file which I did. These people hacked my computer and phone and emptied out my bank accounts. This happened XX/XX/XXXX and XXXX 2020 I found out about this on XX/XX/XXXX and went to the bank and filed an affadavit and asked if the wire transfers of XXXX and XXXX could be stopped and was told no this was less than 24 hours after the second wire transfer. The wire transfers were sent to banks in XXXX and XXXX the bank didn't send me an alert about these transactions. I contacted the bank and they reviewed my account saying I compromised myself. I requested a reconsideration and it was sent to the executive office to have them investigate. The bank is Chase so they had the bank investigating themselves finally after XXXX weeks I was once again denied. I am a XXXX year old XXXX veteran and that was all the money I had. I suffer from XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also contacted XXXX about this incident and they said they couldn't help me because the email didn't come from them. Any assistance you can provide for me would be greatly appreciated I live on a fixed income and the XXXX I had was to be used for emergencies and medication. If you need anymore information please contact me. I have paperwork but I don't know how to send it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX and previous dates I have submitted that these reports do not belong to me and they still remain on my account.

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 2020-11-30 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
I had XXXX in my cash app. I then addedXXXX dollars for XXXX total. When I swiped my card at XXXX 3 minutes later it was declined and the XXXX then deducted to XXXX left. 
Cash app stole stole XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Per the credit reporting company an individual credit card was opened using my name and social security number. 

BB & T XXXX, NC opened XX/XX/20 no balance as of XX/XX/20 credit limit {$15000.00}

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 2020-11-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent Equifax a letter on XX/XX/2020 stating they had put the wrong address to a collection agency I sent a validation letter to on XX/XX/2020. I told them this is a clear violation of FCRA section 623 and now I demand the deletion of this account from my credit report immediately. I have yet to receive anything back from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Amerihome mortgage services my mortgage that originated in XX/XX/XXXX. I have made multiple attempts to connect with their customer service team regarding various matters. The most recent incident ( XX/XX/XXXX ) was after I received an escrow analysis and I wanted to speak with a representative to determine if the additional amount due would automatically be added to my bi-weekly withdraw I have set up from my checking account. The representative told me to do this myself on their online portal. After I explained to her that it directed me to contact customer service, she hung up on me. After calling back and being on hold for 23 minutes, I finally received another representative who I explained my situation to however, he wasn't able to give me a direct answer and wasn't sure if my automatic withdraw amount would change or not. He advised me to wait until XX/XX/XXXX ... I am now attempting to call back today ( XX/XX/XXXX ) as I received an email stating that my automatic withdraw would occur on XX/XX/XXXX and I need to determine why this was sent as I am on biweekly withdraw and my next payment shouldn't be withdrawn until XX/XX/XXXX. Looking at my wait time, I am currently on hold and waiting for a representative for 33 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I took out a 24 month promotional offer with XXXX COMENITY BANK card. The terms stipulated no interest for 24 months if balance paid in full. My last payment ( as per the payment page on their website ) was due on XX/XX/2020 or XXXX . I paid the XXXX $ on the due date of XX/XX/XXXX and the statement balance was then at XXXX . This month I received notification that my account balance was now XXXX . Apparently, the promotional period was due on XX/XX/XXXX and not XX/XX/XXXX ( which was the ONLY listed payment due date on their website ). The account statement does say " DUE on the XXXX to avoid finance fees ), however, I am enrolled in paperless and was following the information posted on their website and not the actual statement. They are very misleading with their information because nowhere in their website payment page does it explicitly tell you to make a payment by the XXXX. I called and they said they can not do anything. So I now have to pay back XXXX $ because the interest is 29 %. The only thing they could do for me was to lower the interest to 10 % for 12 months. They are scamming customers by not providing the information on the PAYMENT Page!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/2020 dispute amount {$2800.00} dispute ID : XXXX AND XX/XX/2020 dispute amount {$15000.00} dispute ID : XXXX ( above charges are for the cruise deposit and final payment ) Total dispute {$17000.00} The above disputes are from charges to my account by XXXX XXXX line for a trip that was cancelled because of Covid19. The trip was scheduled for XX/XX/2020 Services were never received from XXXX XXXX XXXX. 
Citi Bank Visa has been stonewalling the reverse of these charges using the excuse that the Cruise Line was not getting back to them. Meanwhile, I am out a significant amount of money. 

XXXX XXXX XXXX drastically changed the itinerary of the original cruise which was basically a cruise to XXXX to a Cruise to XXXX and XXXX eliminating 7 XXXX ports and adding 2 days at sea. This was not acceptable to me. 
All of the above has been explained to Citi Bank Visa and they refuse to make this right by reversing the charges to my account

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On Monday, XX/XX/2020 I spoke with XXXX in regards to paying off my truck loan in for two years early and stopping the automatic payment authorization. I was told by XXXX that he was going to expedite that request so the payment was not removed from my account And for me to go ahead and wait until Friday the XXXX to pay my vehicle info. On Friday, XX/XX/2020 I called in and spoke with XXXX who told me that I could only make a {$9900.00} payment at one time or I would have to wire the funds to them. I asked to speak to a supervisor at that time because my payment for the total amount on the loan was {$12000.00}. I was then transferred to XXXX XXXX at extension XXXX who told me that my payment could be made via the app that I have and that XXXX did indeed expedite my stop automatic payments and my automatic payment would not be taken out from my account. I submitted the payment in full via their app automatic deduction from my Chase bank account to pay off my Chase auto finance loan and it showed that it was automatically taken out. Saturday, XX/XX/2020 I checked the bank account and noticed that the automatic payment of my monthly payment for the vehicle was indeed deducted as well after the loan was paid in full. This transaction was not authorized. Monday, XX/XX/2020 I called and spoke with XXXX regarding the automatic payment and she told me that yes it was taken out and I would receive a check for the overpayment I asked to speak to a supervisor after waiting on hold I was told none was available and I would get a call back within 24 to 48 hours I was not given a date of my payment returned I was not giving a tracking number for my expedited title I was not given any information of which I was told I have over paid on my loan I have no assurance that there will not be any future deductions from my account that is unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My loan on a finance vehicle as a cosigner with Santander consumer USA is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with Santander consumer USA and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20 A withdraw for the amount of {$98.00} dollars was done at a NON- Wells Fargo ATM out of my checking account. Some time later after going over my bank statement I recognized the withdraw as NOT my own. I rarely use NON Wells Fargo ATM 's for withdraws, the withdraw happened in a town where I do not live and the withdraw was allegedly done from a Sushi Restaurant ATM. I absolutely do NOT eat Sushi. 

After calling WF fraud dept. and speaking with a claims rep I was put on hold and then told my claim was denied. Based on their claim that my card was inserted into the ATM and my PIN was used. The rep claims that " WF debit cards with the CHIP can not be duplicated or cloned '' And that I was the one who made the withdraw. 

He canceled my debit card non the less and said that I would be receiving a new card in the mail and that my claim was denied and closed and I would be receiving a letter with an explanation. 

I received a letter shortly after with basically the same information as above. Along with a separate letter with a New Debit card.

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 2020-11-30 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:
XXXX XXXX and previous dates I have submitted that these reports do not belong to me and they still remain on my account.

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 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XXXX, I got a court summons that I was being sued by Midland Credit Management over a XXXX XXXX account. Prior to this statement, I did not even know that Midland owned the account. I hadn't received any other type of notification from Midland regarding this account. I tried calling to work out a payment plan or a settlement but they would not accept anything because it was already in legal collections. I have gone online and made two payments and contacted them multiple times since then to try to make arrangements but they continue to tell me that they plan to sue and not work with me even though I am trying to make payments and work this out. I asked to speak to a manager and they wouldn't transfer me to anyone when I called today. The collector didn't notify me of the full mini miranda when I called today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I opened my money market account with a promotional bonus code. I was promised {$300.00} for maintaining a {$25000.00}. I funded my account with {$25000.00} dollars as required for the bonus. The bank website, offers.suntrust.com, states that I qualified for the bonus and the bonus is pending. However, while I maintained the {$25000.00}, I still have not received the {$300.00} bonus.

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