vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
SEQUIUM has taken the debt collections from XXXX XXXXXXXX XXXX  XX/XX/2020 was place back on my credit and it was resolved by the company called XXXX money it was removed and resolved and now it's been place back on there so I will like to file a compliant and a lawsuit for harrasments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I was the victim of an elaborate scam. I have been searching for a new job and was hired for a XXXX XXXX XXXX XXXX with a company called XXXX. I sent them a detailed email about my experience and why I would be a good asset to their company. They got back to me wanting to set up an interview through XXXX ( chat based ). I interviewed the next morning. After the interview, I was told I got the position. The company wanted to send me a starter check to get new office supplies ( new XXXX, XXXX XXXX, etc. ) I received a check for {$3800.00} in the next couple days. The recruiter kept in contact with me everyday. The check posted in my account. He told me the company had an accredited vendor that would send me the office supplies after the vendor received my XXXX. XXXX only allows a maximum of XXXX a day so the recruiter asked me to go to USPS and purchase a money order for XXXX, then XXXX it to XXXX XXXX XXXX, XXXX, CO XXXX. So I did. The next day the recruiter got back to me saying the vendor had received the money, but that the office supplies had gone up in cost. He told me me if I could XXXX another XXXX to the vendor I would be reimbursed my first paycheck. The check ended up bouncing 5 days later and left my checking account in the negatives. Never to hear from the recruiter again. In total, I lost XXXX. 

Side note, why is it okay for the bank to post money in your account before making sure the other parties account has the money?!!! 

Names this " recruiter '' could be XXXX XXXX ( name he went by ) XXXX XXXX ( changed his name to this in XXXX ) XXXX XXXX ( money order addressed to this person ) XXXX XXXX XXXX ( I sent XXXX to this person ) XXXX XXXX ( name on the fake check ) I would really appreciate your help. I don't believe Bank of America will put this money back into my account and I am very sad, broke and frustrated. 

Thank you.

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 2020-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
New Rez is my mortgage company I was doing a refinance last year through them, they have been working on it over a year and on XXXX last year put a late charge on my mortgage to prevent a XXXX XXXX or XXXX XXXX refinance. It benefited them to do so as they kept me locked in at 6.25 instead of 3.00 percent it is today. I either want my late removed from all 3 credit bureaus and or finish my refinance for free. This has cost me XXXX in extra interest it started XXXX yes a year plus. Ive been approved but cant get it together. Ive emailed ceo and upper management been told they messed up but nothing gets fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
BB & T reported my XX/XX/XXXX payment as late to the credit bureau. I was not notified by BB & T of the missing / late payment - no phone call, email, or mail notification. I was informed by an alert from the credit bureau. I immediately contacted BB & T to dispute this information. When they told me a payment was not received, I contacted my bank. I had reoccurring monthly payments set up through my bank. When I contacted my bank, they verified the check had not been cashed. I explained the dilemma to BB & T and immediately made the payment. I asked the credit department to consider removing the blemish from my credit report. I have been redirected to many departments, and have not received any resolve. Further, in XX/XX/XXXX, BB & T reduced my credit limit from {$3200.00} to {$1100.00} despite my dispute over the late charge/credit reporting.

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 2020-11-08 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: CT

Complaint narrative:
This company keep reporting wrong information to my credit report and is refusing to send me the process of their investigation. I believe no investigation is been made as they keep reporting wrong information. 

please see attached letters been sent AND PROOF OF MY ID

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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX my bank account was hacked. I got a notification on my phone of money being taken from my account. I didnt recognize the company so I immediately locked my account and requested a new debit card. The next day I got ahold of my bank account and they pretty much told me that I needed to contact the company that has my money and that they couldnt do anything for me. I didnt think that was my responsibility to contact the company that has my money. I still dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: NY

Complaint narrative:
For several months starting XX/XX/2020 I have not been able to speak with a person at Experian credit reporting agency. They have my S.S. number blocked as to where I am not able to speak to a person. I have received copies of my credit report however I can not speak to a person in regards to it at Experian. This should be some type of a violation because EXPERIAN has control over my credit score and is INCORRECTLY reporting on it! Ex. my credit score goes up and down in ONE TRANSACTION on the SAME day at the SAME time! HOW and WHY cant someone at Experian answer that! 
I have put in numerous complaints with CFPB and it keeps coming back the same. I am only interested in speaking with a person as to why my scoring is not reflected the way it should be and is being manipulated in a negative manner! I do NOT want them to send me another copy of my credit report as an answer to these complaints!

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 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
A strange XXXX male appeared on my land looking for information which he did not receive the first time he had came by as, he began to leave off the property it was noted that he began to write down the license plates numbers of the vehicles on the property. A few weeks later said man appeared on my property once again and was warned that he was trespassing, well said man wanted to argue that fact with the homeowner, which resulted in home owner getting his weapon to stand his ground. In which time homeowners wife persuaded trespasser to get off the property, but before leaving property trespasser was caught on homeowners camera using his phone to record the license plate numbers of the vehicles in the homeowners yard.The third trespass violation occurred on XX/XX/2020 My wife said to have had words with trespasser before he taped a third party debt collection citation to door of my home. And also the citation that the trespasser stuck to my door has This incident was reported to the local authorities and the state attorney general office here in TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I contacted Bank of America on XX/XX/XXXX after I received notice from my credit monitoring service that an inquiry by Bank of America had been made on my credit report. I spoke with a representative and informed that I did not request a credit card with Bank of America or authorize them to access my credit report. The agent assured me that the attempt at acquiring a credit card had not been processed and that she would terminate the application and the inquiry would be removed. This was in XXXX. It is now XXXX and the fraudulent inquiry is still on 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 2020-11-08 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I've written several letters to XXXX, XXXX, XXXX and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.

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 2020-11-08 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: CT

Complaint narrative:
this company keep reporting wrong information on my credit report and is affecting me. 
also is not taking the investigations seriously. 
see ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The derogatory credit shows on my credit file, and I would like for it to be removed.

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 2020-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was a capital one credit card fraudulently opened in my name thats now reporting on my credit report. Ive never had a capital one credit card and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the credit card is {$760.00} and its all fraud!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
4 credit card accounts opened in XXXX under my name. Had been sold to 4 debt collection agency since. The following account are : 1. UNIFUND CCR {$2300.00} / Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) 2. UNIFUND CCR {$4300.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX ) 3. XXXX XXXX XXXX, XXXX {$2800.00} / Original Creditor : XXXX XXXX XXXX  ( Acct. Last Four # XXXX ) 4. XXXX XXXX XXXX XXXX {$4100.00} / Original Creditor : XXXX ( Acct. Last Four # XXXX XXXX My personal data was stolen and I am now being sued. These are not my accounts and I have called the credit bureau but have done nothing but put my account in fraud alert in XX/XX/XXXX. I can provide my credit information to prove my character as I have paid everything on time in the past. These account were all opened at the same time. I have called the creditors and they have not done anything to help me resolve these issues. No receipts or records were provided. When these occurred, I have just graduated school and could not afford the settlement they were asking and these were fraudulent. I am now being harrased by these debt collectors after years of not hearing about it. I've done all in my power to dispute these charges and I need help. I have filed a police report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Credit Quick
State: NC

Complaint narrative:
I bought this car from XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, the car had too many problems to identify from a basic assessment without intense diagnostics. I have all paperwork came with & dealership maintained. XXXX XX/XX/XXXX XXXX seized take to XXXX XXXX XXXX, new engine rebuild & $ XXXX parts. 4 months to complete. Will attach all records. Car on the road only 3 months since ownership! 

Recently, after making last payment on XXXX XX/XX/XXXX, I was informed by XXXX XXXX of XXXX XXXX XXXX XXXX that my loan was purchased by Credit Quick of XXXX XXXX, NC. I immediately contacted XXXX XXXX through email, and given the number for XXXX at Credit Quick without a last name, which I specifically asked for this information!! She never called me back, but I got another call from another representative at Credit Quick, urging me to call them about their urgent matter! I conveyed to XXXX XXXX that I know Credit Quick is owned by XXXX XXXX XXXX XXXX, his fathers company, and he became defensive, asking me, who is this? My father recently passed away after ten years suffering with terminal XXXX XXXX, so I didnt have someone knowing more about cars than myself, and was taken advantage of in sales & financing! Since buying my auto loan from XXXX XXXX XXXX XXXX, I now have the initial loan + new loan doubling to {$37000.00}, according to my XXXX XXXX report. I have had XXXX this year & hospitalized twice for life threatening effects, plus quarantine times. This is a burden that I can not bear & must be stopped! These crooks must be stopped in their tracks!! 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There was a capital one checking fraudulently opened in my name thats now reporting on my early warning services credit report. Ive never had a capital one checking account and Ive sent capital one my police report but they wont close the credit card account and take it off my name. The balance on the checking account is {$1200.00} and its all fraud!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: NC

Complaint narrative:
Equifax has a freeze on my social. I've tried the past two years to resolve this issue. I have mailed in a copy of my social and ID to prove I am myself. I am trying to get a new car but when my credit is ran at my bank My Equifax account comes back as fraud. I've reached out to them numerous times and gotten no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX  and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: ERC
State: IL

Complaint narrative:
I've written several letters to XXXX, XXXX, XXXX  and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/2020 at about XXXX I went to a Bank of America ATM to withdraw {$450.00} cash. The ATM said my transaction had been canceled and did not give me any of the money. I even took a picture of the ATM screen that i have attached here. 
I checked my bank account to find that {$450.00} has still shown being withdrawn. I immediately called and filed a dispute while still in the bank parking lot and they temporarily credited me {$450.00}. 
Today I received a letter saying the dispute was not resolved in my favor, and the {$450.00} temporary credit was being taken back away from me. I can clearly be seen on camera at the ATM not receiving my funds and theres XXXX reason the credit should be taken back from me when Im CLEARLY on camera not getting my cash!!!!! This is the second or third issue i have had with disputing something with this bank and Ive been with them 19 years. I will be closing my account and going elsewhere but in the mean time, someone should be notified of thier terrible service and withholding my funds.

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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XXXX, I applied for the HSBC Premier Checking account via https : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. You can see what the offer looked like then here : https : XXXX : //www.us.hsbc.com/checking-accounts/campaigns/premier-offer/. I was directed there after hearing about the deal on https : XXXX, which again also says you must go through that link. There is no reason why I would purposefully deprive myself of the bonus by applying through a different link, and the pursuit of the bonus was the sole reason that I opened through that link. I have contacted HSBC on XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten case ID XXXX, on XX/XX/XXXX and gotten complaint ID XXXX, and multiple times since. Every time they said that I didn't go through the proper link. HSBC has a well-documented history of claiming that you didn't go through the proper landing link : https : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
this company have ignore my requested since XX/XX/2020 i requested an investigation to inaccurate information that is been report to my credit report. ands i have not received any update or respond i been ignored. 


SEE ATTACHED

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 2020-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: MT

Complaint narrative:
I RECEIVED A NOTIFICATION ON MY XXXX  CREDIT REPORT FROM CREDIT SYSTEMS, WHEN I GOT A COPY IT INDICATED IT WAS FROM " CREDIT SYSTEMS '' FROM XXXX XXXX  XXXX IN THE AMOUNT OF {$25.00}. CREDIT SYSTEMS HAS MY CURRENT ADDRESS ON FILE AND I DID NOT RECEIVE ANY NOTIFICATION ABOUT THIS DEBIT, IF SO I WOULD HAVE PAID IT IMMEDIATELY THIS COMPANY MADE NO ATTEMPT TO SEND ME A COPY OF SAID DEBT

Company response to consumer: Closed with explanation