vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
When recently checking my credit report I noticed that Focus Receivables Management was on my credit report. I don't recognize what this debt is and where they are trying to collect from. I have not received anything from this company about any potential debt that may be owed and I don't recognize the company they are collecting on behalf of and have never had service with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On the XXXX of XXXX, 2020, I attempted to open a checking account with XXXXXX/XX/XXXX. They could not open an account because of information that was provided to them by a company called EARLY WARNING, out of XXXX Arizona. 
The bank provided me with the information of obtaining my consumer report from the above mentioned company. 
Upon calling the company on the XXXX, the representative sent me a form that I had to fill out and was told that they would email the report in 7-14 days. 
After no follow up from the company, I called them on the XXXX of XXXX and they stated that they had not received my request for the report. They then said that they would mail me a letter that I would have to receive, then call them and read them the letter before they would provide me with my own consumer report. I am a victim of identity theft and need the report to ensure no other fraudulent accounts are open. The company refuses to issue my report to me without making me go through hoops. 
It is illegal for them to withhold this information that they have affecting my ability to open a new account. I had to close previous accounts because of the identity theft. The company should be charged and held accountable under the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and regional acceptance system. Its through regional acceptance corporation which is apart of BB & T

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 2021-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
Planet Home Lending bought our second mortgage in early XXXX. We haven't made a payment to this mortgage since XXXX when the original lender XXXX was acquired by XXXX XXXX XXXX. XXXX XXXX XXXX forgave thousands of second mortgages ( apparently not ours ) and received government bail out money. 
Now, 11 years later, Planet home lending is calling our note due after buying the debt for XXXX on the dollar. I have tried and tried to communicate with them and they will not put anything in writing. I asked how much they paid for the debt and if they would accept a settlement. 
Instead of replying, they sent an acceleration letter and added 10 years of back payment. 
Our mortgage balance is approximately {$45000.00} and they are demanding approximately {$80000.00}. 

We had to file bankruptcy due to their predatory practice and also due to Covid. Please step in and help us. I am a XXXX veteran with a XXXX child ... .Planet Home Lending is simply taking advantage of us. 

I would like to know how much they purchased the debt for. I would like to settle for {$6000.00}. 

Thank you, XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I was approved for a loan on XX/XX/2020. Upgrade was to send money to an XXXX account in the amount of {$3900.00}. The money never showed up in the XXXX account and they are now billing me for the money. They refuse to find out where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CA

Complaint narrative:
I filed an Identity Theft Declaration claim with Chase Bank dated XX/XX/2020 and followed their directives. Chase opened a fraudulent checking account for deposit of a {$44000.00} fraudulent small business loan they approved. Chase used my personal data from accounts I had with them in XXXX. I filed a report with my local Sheriff 's Department. Chase has been unresponsive to my submittal.

I contacted IdentityTheft.gov and submitted a report. Per IdentityTheft directive, I faxed Chase an other letter on XX/XX/XXXX for a request for Records Pursuant to Section 609 ( c ) of the Fair Credit Reporting Act and dropped a hard copy at the local Chase XXXX XXXX branch. Chase has been unresponsive to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted Experian, XXXX, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.

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 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and Honda system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-08 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: MO

Complaint narrative:
My car was totaled by the insurance company there were two separate claims. JP Morgan Chase Auto reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from Chase to XXXX including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by XXXX even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
Hi there I have opened a premiere checking account in HSBC in XX/XX/XXXX using the following link ; https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/? XXXX & XXXX & XXXX The promotion clearly stated that if I open and account until the end of 2020, I would get % 3 cash back up to {$100.00} a month for 6 months. To fulfill this requirement, I have moved my salary payments to this account and I have been getting my direct deposit s to this account since then. I have reached out to HSBC many times and asked about why I am not getting any of my promotion and was told that I didn't click the " right '' link to open a premier account and thus they were not going to give me the bonus that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX two ach transactions from Navy Federal Credit union in the amount of {$410.00} and another for {$200.00}. The-money was debited out of a checking account and suppose to be sent to XXXX bank. The funds never posted to the XXXX bank account which normally takes 1-3 business days. It is now XXXX XXXX and neither bank has taken responsibility of the missing funds and Ive been in communications with both By phone and in Person. Ive submitted ach disputes through navy federal and also XXXX has conducted investigations on tract numbers that they concluded to be correct. However I still have no funds and Navy federal insisted that they could not help 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 2021-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank put a freeze and closed my account without notification and previously I had reported my card lost and called in that same day they never credited me three weeks later told me it was fraudulent activities and couldn't credit 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 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I called Midland Funding, they are the Collection Agency for XXXX XXXX XX/XX/XXXX. Midland Funding claims I owe {$170.00}. I contacted XXXX XXXX XX/XX/XXXX after speaking to Midland Funding and they claim this account was paid in full. I thought it was because XXXX XXXXXX/XX/XXXXapproved me for a credit card. So I spoke with both Collector and original Lender. Original Lender said must be an error. 
Thank you for helping me have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2021-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XX/XX/XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau XXXX : Attorney Generals Office CC : XX/XX/XXXXXX/XX/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 2021-01-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My car was totaled by the insurance company there were two separate claims. XXXX XXXX XXXX XXXX reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from XXXX to Experian including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by Experian even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam

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 2021-01-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX financed through Santander Consumer USA. The amount financed was {$21000.00} with a 24.84 % APR for 72 months. As of XX/XX/XXXX I have paid {$5100.00} towards the car loan and have a balance of {$24000.00} ( my balance is {$2900.00} more than my original finance amount ). I have never missed a payment on this loan, but due to the XXXX pandemic had made arrangements with Santander to defer some of the months to the end of the loan to provide financial relief as my income and work had been impacted by the pandemic. 

On XX/XX/XXXX I went to a XXXX XXXX XXXX to get information on refinancing my loan. At this time the credit union made me aware of how upside down I was on this loan. The informed me that the value of the vehicle is {$13000.00} and in order to refinance I would have to pay the difference of {$10000.00}. After doing some research I realized I had been the victim of subprime lending and that Santander had been in a lawsuit it seems they lost in XXXX about the subprime lending practices they were engaging in. Unfortunately, I was not part of this lawsuit as I just found out about it on XX/XX/XXXX. I called Santander on XX/XX/XXXX to try and renegotiate the terms of the loan as it is difficult to 1 ) pay {$570.00} per month since the pandemic and 2 ) I owe more than I borrowed even after making payments. Santander is unable to negotiate with me and at this time I am seeking some assistance as I am the victim of predatory lending in the midst of a pandemic that greatly impacted my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc.
State: OR

Complaint narrative:
I took out two debt consolidation loans with Prosper Bank and paid timely on both loans, I reached out to them in XX/XX/2020 to see if they could lower my payments since collectively they were over {$1300.00} per month which was fine when I had a roommate, but they moved out due to loss of work in early XXXX. They told me that there was nothing that they would do for me at this point since both loans were in good standing. I was hired as an XX/XX/XXXX for the upcoming XX/XX/XXXX, and this was going to help me get through COVID since having another person move in during COVID was out of the question since I am considered at risk. Due to COVID, I was never scheduled for work with the XX/XX/XXXX XX/XX/XXXX. I called Prosper once again, and they told me that they would not help me, again since both loans were in good standing. I had been taking out payday loans, borrowed from my XXXX, and paid my other bills on my credit cards until XX/XX/2020, I stopped paying. I contacted them again and they offered me " a deal '' on one of the loans which was still not sustainable in the current environment, and the other they said that they couldn't do anything for me. That loan has been sent to collection now, and they are threatening to enter a judgement against me. I fully intended on repaying, but I do not have the means and they will not accept anything but the full amount of the payments at extremely high interest and carrying it over another year at the rate that they are charging would cost me thousands of dollars. Even though I contacted them, they still placed me with collections which is wrong!

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