vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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:
A few years ago, I want to say early 2000 's, I froze my credit with Equifax after watching a new report about identity theft, and then later on, in late 2000 's, I decided to unfreeze my credit, as I realized that I couldn't do anything like get loans or credit cards with my credit frozen. I attempted several times to work with Equifax to unfreeze my credit. I initially called them, and after some hassle with their automated system, I was able to speak to a person who asked that I send them proof of my identity, since I did not have the 4 digit number they claimed I had gotten when I froze my credit via their website. I sent them a copy of my ID, proof of address, SSN, and some other paperwork that was requested. They then contacted me and said they could not use the copy of my ID as it was unreadable, as it was too small. So, I then enlarged my next copy and sent it to them. They then refused to unfreeze my account as they said that they could not authorize the unfreeze as they could not prove it was me. Which I do not understand as I sent them everything they had requested several times. I no longer feel comfortable resubmitting my information again, as I do not know what they did with the other info I sent before, and it's become uncomfortable for me to keep sending them my info. when they keep telling me they can't verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Bought an item on WayFair with " Wayfair '' branded credit card less than 45 days ago.

After my purchase I was advised by Wayfair that the bank was closing and that Wayfair was no longer doing business with them. I was waiting on further communication from Wayfair on where I would be sending payments to. This communication caused confusion for me. 


Then I received my first statement with a late fee. Called to question and was advised that they had sent a welcome pack and other statements. I never received any of these. Further, I was given no communication electronic or otherwise about my account with Commenity until today when I received my first statement with late fees. 

They refused to waive the erroneous late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I settled with XXXX XXXX XXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus Trans Union   XXXX   and XXXX. On XX/XX/2020 Trans Union updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my Trans Union score on this date they reported my XXXX XXXX account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted Trans Union and XXXX XXXX XXXX. XXXX XXXX financial advises they reported the correct information and that Trans Union made a mistake. Trans Union has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on Trans  Union my scores would of not been effected!!!!! 

After contacting XXXX XXXX and they sent official documents showing they never reported to Trans Union the increased balance I feel like Trans Union system is reporting inaccurate balances on my credit report. This has happen again today on XXXX I paid XXXX on XX/XX/XXXX and my balance reflected XXXX as of XX/XX/XXXX. Today my balance went back to the old information of XXXX causing my credit report to decrease and impact my credit score once again. This is impacting my score negative every time I pay it and I need this to cease immediately or removed this account front my credit report.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
In XX/XX/2019 I purchased a set of 4 XXXX tires which came with a {$50.00} Reward Cash in the form of a debit card. A copy of the card displaying both sides is attached for your review. The card has since expired as it was not activated are used in a timely manner. However, due to the recent epidemic in which Federal mandates limited social interaction for almost eight months and placed families in financial hardships and burdens. How can the bank or financial institution affiliated with XXXX XXXX XXXX   XXXX deny or refuse to replenish monies promised that was never used but was budgeted? 
In speaking with the XXXX XXXX  reward customer service representative, the attitude was that their bank was not or will not reissue a replacement card and that they are sorry but you failed to use the card so you lose. 
XXXX XXXX  reward center showed no empathy for the consumer and its unfortunate that such a large conglomerated can dismiss and abuse their clientele without repercussions other than me boycotting their product line and socially bringing awareness to consumers.

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 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Americor Funding, LLC
State: CO

Complaint narrative:
This isnt being done. The other lie is that they pay the creditors by lining me the money interest free for a year, which didnt happen and the accounts were only paid once I funded them to be paid causing delays in negotiations and payments as well as additional fees, interest, and negative remarks from creditors. Americor has reviewed the phone calls and admits they told me lies but only apologize, they refuse to rectify the situation. I came up with a compromise for them to negotiate my last account for no fee, which would be about $ XXXX. This isnt worth the damages they have done to my credit but I just wanted to be done with them. They said theyd discount those fees a couple XXXX. I told them not to bother, to just negotiate it out and Id pay in full and sue for fraud later. They have since contacted me saying they need my approval to terminate my contract with them without negotiating my last account. Ive said twice thats not what I asked for and for them to negotiate a settlement so I can pay it off. They contacted me yesterday for approval, I replied within 5 minutes saying I did not approve and they emailed me saying the cancellation was finalized. My contract says a 3 day notice to cancel from either party is required. I asked them if they actually finalized it because it doesnt show in my account as cancelled and they havent replied to 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 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On or around XX/XX/2020 Chase bank locked all of my business and personal accounts without notice. I have contacted Chase numerous times for explanation and they refuse to provide one. Blocking access to my accounts occurred after a dispute with a XXXX XXXX XXXX company that secured a marshall in  New York to confiscate my funds with Chase. My legal team had already blocked the marshalls activity pursuant to negotiations with the XXXX XXXX. In fact, impounded funds were initially returned to my account as part of the negotiated resolution but the account is now negative again. This is despite the fact that the funds Chase allowed the marshall to take were ineligible for confiscation. I called to ask that Chase to investigate the issues and provide documentation. I asked Chase to give me full account statements and provide reasoning behind closing my accounts while only providing me one message when I try to sign in to my Chase mobile app, Account closed due to suspicious activity. Contact Chase. I contacted Chase by phone and e-mail several times. The e-mails are never responded to. When I call the provided number for such disputes the person who answers tells me that I must receive an answer from someone else at Chase but they refuse to provide a means to contact such person. I am told that Chase is not permitted to give out this particular contact number. I still can not acquire my statements nor see my account activity and, again, Chase will not give me a reason for the account closures nor do they provide a means by which I can communicate with Chase to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I moved at the beginning of XXXX, and on XX/XX/XXXX changed my address, ALL my addresses, for my Wells Fargo accounts to insure I had no problems receiving my mail : I received confirmation of that change that day, and again on XXXX XXXX because Wells Fargo did not process the first change. Instead, mail continued to be sent to my old address, without explanation : I see the scans of my mail from USPS, including on XXXX XXXX, going to the old address, but it is never forwarded, and I have missed receiving two statements and other mail as a result. I have spent almost three hours dealing with this, including repeated trips to my old address by XXXX unsuccessfully to try to find the mail. Wells Fargos negligence was bad enough, but their offensive response, misrepresentations about what occurred and failure to address the issue are even worse, and typical of the bank. Their negligence has cost me more than three hours of phone calls, travel time, etc. and at least XXXX dollars. On XXXX XXXX, I spoke to XXXX, XXXX XXXX XXXX, who had the nerve to claim said they could offer no compensation because they cant identify their own employees, which is beyond absurd and completely legally irrelevant. They would have a full record of whom I spoke with, and regardless they have a record of the change of address being confirmed. The agent who allegedly then handled the complaint ( they have assigned it to numerous people who never reply, and have no internal coordination ) XXXX XXXX, XXXX XXXX XXXX, actually wrote on XX/XX/XXXX that Wells Fargo could find no record of my address change in XXXX, even though I have confirmation from the bank by email that it received and claimed to have processed the change. Wells Fargo then has the nerve to claim it is not obligated to send legally required documents to the correct address or at all. The bank is either beyond negligent or overtly fraudulent, and it has failed to deliver legal documents as required by law and its own contracts for two months.

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 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This is not my account I.C. Systems # XXXX and did not have an opportunity to dispute, please remove this account ASAP. Also please provide the following : Method of verification Validation of Debt Assignment of Debt

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 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
I was admitted to the hospital back in XXXX XXXX of 2019. Many test had been ran they could not figure out what was going on with my body. After a lot of back & forth it was finally determined that I had XXXX. This was in the beginning stages so less information was known then versus now. I was in the hospital for about 3 months. I am lucky to have made it out alive. So when I did finally get released and was a able to get some energy I began to contact my creditors as I was not able to do from the hospital bed. I contacted Acima and explained the situation. They agreed to put me on a catch up plan and the rep stated all negative reporting would be removed. I have since went back & forth with Acima about this plan that I was not told I had to call back in to continue a plan and they are continuing to report late payments on my credit that has taken my score down over XXXX points. I went into an agreement thinking everything was solid. I have called and spoke with Supervisors whom all they do is apologize for the misinformation but claim it's nothing they can do. This is totally unacceptable and Acima needs to uphold their end of the bargain. No one asked for XXXX and what it has done to the country so to be taken advantage of my Acima is just flat out not right. I wasn't able to take advantage of the early buyout due to my illness now i'm almost paying 3 times the amount I would have been paying and they are adversely affecting my credit. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: GA

Complaint narrative:
debt is not mine never had a loan with XXXX XXXX XXXX university. i paid everything with my own money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/2020 I received 2 email notifications informing me that 2 duplicate payments were scheduled to come out of my account for my {$400.00} monthly payment. When I log into the account I am unable to see any " pending '' payments only a payment history and therefore I am unable to edit and/or delete the duplicate payment. I immediately called Santander to delete the duplicate payment to prevent my checking account to the negative. I was advised " we are unable to delete a payment because of a system glitch, call you bank and place a stop payment ''. I called my bank informed them of the issue and they stopped 1 of 2 payments in the amount of {$400.00}. Today XX/XX/2020 I logged into my account to make my scheduled payment of {$400.00} ON TIME and was informed I would only be able to pay via debit card and be assessed a Convenience fee of {$2.00}. I called Santander again and was advised " since the last payment was NSF the " system '' locks you out until 6 monthly payments are made with out issue. Had the system not had a " glitch '' and had I been able to edit my duplicate payment there would not be an issue at all. I was never contacted regarding the matter prior to the due date nor was I allowed to continue making the payment as I have been all along.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My mortgage was transferred over to Shellpoint Mortgage Servicing in XXXX of 2020, and since then, in 8 short months, I have had more headache than I have had over the past 12 years I have lived in this house. 

First complaint is regarding communication, and that manifests itself two fold. For one, there is a lack of consistent and competent representatives when calling. It feels as though it is the luck of the draw when calling, as you never know the service you will receive. Secondly, there is insufficient time provided whenever their is change in your mortgage payments ( example provided in detail below ). So whether it is written or verbal communication, there seems to be a lack of clear and thorough thought process that they seem to follow. There is a clear lack of consistency in service, which has not only cost me a headache but now they are wanting to charge me fees. 

Example : - I was sent a letter on XX/XX/XXXX, expressing that my mortgage payment for XXXX will increase due to the evaluation of the escrow. The increase was significantly larger than usual, so looked closely and discovered that they had not taken my tax exception into account. I immediately reached out to them and a representative explained that they do not have the exception letter on file and I needed to resubmit the letter from my local government. However, the issue was that the presentative said that it would take 6 weeks to process the letter ; perplexed by the timeline, I expressed how I am given a notice only five weeks prior to a payment but required 6 weeks to process amendments. The representative promised an expedited process as long as I provide the necessary documents, which I provided the documentations the next day. In mid XXXX, I received a letter with the reevaluated escrow ( with the tax exceptions ) and was given a new payment amount, in recognizing the difference between the amount paid in the first of XXXX and what I owed since the reevaluation, I made a secondary payment for the difference. Yet I am now charged with a late fee for the month of XXXX because according to their representative I was short in my payment for XXXX. When I tried to explain the situation with the representative, I was told I must write a complaint letter to the loan services department in order to contest the fee, and as you can imagine that also would take weeks upon weeks. 

I followed their direction, but after looking into the company and reading many complaints that are similar to mine, I am alarmed at how many people the company is trying to take advantage off, an error from Shellpoint should not cost its customer any more let alone, let their error lead to fees and charges because the timeline provided does not allow people to write wrongs. This should be illegal, but definitely is immoral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) PORTFOLIO ( XXXX XXXX  ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX   ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and XXXX XXXX XXXX XXXX have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation