vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
My nature of dispute is that this company placed a medical debt collection on my credit report without proper notice. I reach out to this collection agency, spoke with XXXX XXXX ( Unit Manager ) who was not helpful and very rude. I request this medical debt be removed off my credit report and I will resolve the matter with XXXX XXXX XXXX. XXXX XXXX stated that they did send a letter and called my cellphone, which the letter was sent to an old address and this agency did not leave a message because they stated they are a debt collection. This medical debt is for a person who is covered under New York XXXX XXXX since 2010. Sequium Asset did not follow the Fair Debt Collection Practices Act. Sequium Asset fail to inform me of the debt in writing and notify me of my right to dispute this debt within 30 days. They are illegally placing medical debts and refusing to remove them. The are not properly informing the consumer and they are refusing to remove the debt until payment is receive. XXXX covers these services and this company refused for me to send a copy of proof of insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Our original Mortgage loan was with XXXX  XXXX - loan was XX/XX/XXXX - We had gotten extensions on Mortgage through out loan - Sold to Select Portfolio Servicing in XX/XX/XXXX. We have made all payments on time other than 1 late payment. Original loan maturity is XX/XX/XXXX. We were under the understanding that payments would continue due to extensions that were granted by XXXX XXXX. One until we received notice from SPS Servicing that anything owed would be due on XX/XX/XXXX. I started application for assistance In XX/XX/XXXX. Each time they needed additional information - which I submitted - ( 1 ) unemployment letter - explanations along with bank statements showing continuation of unemployment payments to date - Payroll stubs - retirement and ssi letters of income. Letters continuing until XX/XX/XXXX when they accepted the application - received letter of denial for home retention loss mitigation of XX/XX/XXXX - account did not meet eligibility requirements because we were not late on mortgage payments although {$9000.00} is due in complete payment on XX/XX/XXXX. They will not accept any partial payments after that date it must be paid in full. No help with this company due to pandemic situations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank will be closing my account within the next 35 days due to undisclosed " risk factors ''. I've been a Fifth Third Bank customer for the past 6 years with an impeccable record. I've only used my account to receive deposits from my employer and make payments to my credit cards, car, and rent payments. The average balance has always been about {$14000.00}. There's nothing crazy going on. Fifth Third Bank came out of the blue and closed my account without a reasonable explanation. This is unfair and I consider this a really bad practice. Furthermore, they're arbitrarily prohibiting me from doing business with them after multiple years of a good relationship. 

Please help dispute this arbitrary decision to make Fifth Third Bank revoke it. There's no real reason to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I co-signed on an auto loan with Santander ( SCUSA/GATEWAY ONE ), I had to co-signed since my boyfriend at the time was what banks label as high risk borrower, however Santander accepted to finance the vehicle as long he gets a co-signer and with a little higher interest rate. Unfortunately, the loan became impossible to pay, base on our calculations 95 % of the monthly payments went to the interest and not to the principal, me and the cosigned had to stop making the payments and the vehicle was repossessed, sold and the finance company is collecting a deficiency balance. A few weeks ago, during a web search, I found there us a coalition of multiple attorney generals who recently announced a settlement with Santander Consumer, this settlement includes money in relief for the consumers and deficiency waivers. I found this settlement resolve a lawsuit that Santander violated consumer protection laws by exposing subprime consumers, high risk borrowers, to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default. I really think my loan is part of this allegations against Santander since they put us in an extremely high risk of default with an incredible high interest rate. 
I contacted the settlement administrator and they asked me to contact Santander, I did but every time I contact them advise me, I will get a letter or notifications in my mail, but they HAD never looked for my account ; so, there is nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
In the Summer and Fall of XX/XX/2020, I was a victim of identity theft ; while living in XXXX on XXXX XXXX orders, a criminal stole my identity to open a XXXX account in XXXX TX, which then was left unpaid for the amount of {$740.00} and change. To make a long story short, it took me a month of staying awake in the middle of the night to contact the XXXX XXXX police department ( of which I was a resident before moving to XXXX XXXX, the XXXX police department, the three credit bureaus, and XXXX itself to follow up on my case. 
Eventually, the fraudulent charges were taken off my credit reports, and I was advised by XXXX and XXXX to activate a free service, which would allow me to lock and unlock my credit report at my convenience. When I contacted Experian regarding this service, they advised me that the very same service cost {$25.00} per month. After contacting them again today XX/XX/XXXX at XXXX XXXX XXXX, XXXX from the XXXX XXXX Department, reported Experian will not provide me access to this service for free, regardless of being an XXXX XXXX identity theft victim. She suggested I, instead, keep a freeze on my account, but that is not a feasible solution for me because I still want to have the ability to request credit at my convenience. Ultimately, as a " forced '' consumer, I would like to have the ability to provide access to my credit to whichever company I decide I want to share the information with, at my convenience, not Experian 's convenience, and it is ludicrous to me that I have to pay a {$25.00} to do so, especially when the other two bureaus offer this service for free. In addition, living overseas makes my attempts at monitoring my credit harder because of the differences in time zones XXXX XXXX to CONUS ), and being able to manage my own credit would provide me with some needed relief and peace of mind.

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 non-monetary relief
Consumer complaint received 2021-05-13 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: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: FL

Complaint narrative:
GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, XXXX AND TRANSUNION. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, 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 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, EXPERIAN AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, 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 2021-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Intrest rate is too high and I can't keep up with this loan due to pandemic, losing my job and my vehicle is my only source of transportation. This day the interest rate is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
****FLAGSTAR BANK IS THE SERVICER OF THIS LOAN SEE ATTACHED**** XXXX and XXXX XXXX fell behind on their mortgage due to health issues. They are elderly and infirm on a fixed budget. They will be able to afford a slightly lesser payment than the one they have now and just need some assistance to get caught up and back on track.Their daughter lives with them and contributes {$1400.00} to the household, per month. A full assistance request will be uploaded through the Flagstar website, along with copies of this CFPB complaint and QWR.

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 2021-05-13 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: NY

Complaint narrative:
I have made numerous attempts to get Experian to correct my credit card balances. I am told each time that they will update the information as soon as the creditor notifies them. It has taken sometimes 3 months. I want to know why they can confirm that a negative account is valid sometimes within the same day as the dispute but when it is in the favor of the Consumer it takes them 30-90 days. It is my understanding that they must report correct information. I think 15 days after a payment has been processed is sufficient enough time to reflect on a credit report. I also question why my score will drop 15 points if a collection is reported but then when I successfully dispute it my score only improves by 3 points. Something has got to be improved for processing. If they are going to be allowed to report payment information then it should be accurate at all times.

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 2021-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT at XXXX XXXX XXXX XXXX, XXXX TX XXXX. Has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I just pulled my annual credit report and found a XXXX debt from a XXXX XXXX XXXX XXXX under my name and old address. 

XX/XX/2020 {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, This is a formal complaint against Equifax as Equifax has reinserted information that it had deleted previously. The XXXX XXXX XXXX XXXX tradeline was reinserted by Equifax as XXXX XXXX XXXX XXXX has requested that Equifax delete the tradeline that Equifax reinserted. 

Equifax reinserting this tradeline is a violation of the FCCPA ( Florida Consumer Collection Protection Act ) as Equifax is not indirectly claiming that I owe a debt. The FCCPA includes companies such as Equifax to be debt collectors whether they directly or indirectly claim a debt is owed. 

Equifax is also violating the FDUTPA ( Florida Deceptive and Unfair Trade Practices Act ) as Equifax reinserting information that Equifax has already deleted and making it appear as though XXXX XXXX XXXX refurnished the information is a deceptive and unfair trade practice. 

Equifax is also damaging my credit reputation thus defaming my credit image therefore is committing Libel/Defamation. Equifax maliciously reinserted information it had deleted before and made it appear as though XXXX XXXX XXXX XXXX refurnished the information. When Equifax unlawfully reinserted the XXXX XXXX XXXX XXXX tradeline it alerted my XXXX XXXX Credit Monitoring System which monitor my credit activities of both Equifax and XXXX. XXXX XXXX then alerted me via email that changes occurred to my credit file. Once I logged onto XXXX XXXX it displayed that changes were made by Equifax. In this case, XXXX XXXX displayed where Equifax reinserted the XXXX XXXX XXXX XXXX tradeline on or around XX/XX/2021 compared to when Equifax deleted it on or around XX/XX/2021. 

Equifax 's unlawfully reinserting on XX/XX/2021 the XXXX XXXX XXXX XXXX tradeline it had deleted on XX/XX/2021 display malicious intent from Equifax to damage and destroy my credit file. 

I can go on with writing the unlawful and deceptive conduct exhibited by Equifax as I have been working on my credit since XXXX of XX/XX/2021. 

Thank you for your attention to my concerns that are public policy issues and I look forward to hearing from you soon. 

XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX Chase Banking Prior to the Covid-19 Pandemic I booked a trip to XXXX, XXXX ( XX/XX/2020 ) through XXXX for XX/XX/2020 to finally say my vows with my husband. I paid the deposit of {$850.00} on XX/XX/2020 and another on deposit for the second XXXX on XX/XX/2020 for {$840.00} on a separate credit card. Due to Covid-19, XXXX closed its borders to international tourists until further notice. XXXX credited my account for the trip, but are now refusing to return our funds stating they do not have the tools to do so. Under their Extenuating Circumstances we qualify for a full refund due to the unforeseen events of the Pandemic, but since they have already credited my account they can not exchange it for " cash. '' Their services were never rendered and they are continuing to give me the runaround with only allowing me to speak with a representative through their online chat system. I requested a phone number to speak with a live person, but the representative refused to do so. When I finally receive a phone call after requesting my case to be escalated, I am stuck having a conversation with a Manager whose dog is continually barking in the background and telling me that they will not return my funds. My frustration stems from the fact that they have now put a time limit on when I have to use this credit otherwise I will lose it. If I had received my FULL refund, my payment would not expire. 

XXXX has given me no choice but to dispute the charges for services that were never provided due the unforeseen events of the Covid-19 Pandemic. I reached out to Chase Bank to dispute these charges in hopes that they will be able to help me in this situation. They immediately returned my funds, and informed me that they will reach out if any additional information is needed. They failed to mention that I was already outside of the 120 day timeframe for them to retrieve the funds from XXXX and I would need to provide documentation as to why I am calling to dispute now. After escalating the issue, the next Supervisor tells me that if they issued a credit to my XXXX account that it is a sufficient resolution to the problem. This is not " sufficient '' due to the timeframe that the credit has to be used by. Chase is requested documentation of the reasons why it took me 6 months to dispute the charges, but then tells me that no matter what I do, they will not investigate this any further. 

I am at a loss as to what I should do next, and I hope that this may help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied for the Capital One Quicksilver Card. There was a promotional offer, Spend {$500.00} in the first 3 months and get {$200.00} back. I spent {$500.00} and never got the {$200.00} back. I was never told that I was ineligible for the offer. After I called customer service on XX/XX/2021, I was told that the offer was not available when I applied through the website. This is false. The fact that it was clearly written on the website is the reason why I applied in the first place. The customer service rep then said that if I were eligible for the offer, it would have said so after I was approved and that I got the 0 % APR instead of the {$200.00} intro bonus. This is also false. Capital One never said that the {$200.00} cash bonus has to be listed anywhere other than the first page. Most banks do not say, " You will get the bonus '' after approval. They just give the bonus after the requirements are met. Further, nowhere does it say that I will get either the 0 % APR or the cash bonus, but not both. I am supposed to get both according to the website. Before applying it gave vague circumstances under which people might not be eligible, but I did not fall into that category. The bottom line is that Capital One mislead me into believing that I would get {$200.00} back after spending {$500.00} in the first 90 days, but they never properly notified me that I am not eligible for the bonus. Capital One has a very corrupt method of getting people to apply for their cards. They advertise the introductory cash bonus, but then they do not pay out the bonus. They also do not tell people who are not eligible that they are not eligible. When the customer contacts them, they lie and say that the bonus was not available at the time of application. Then when the lie does not work, they lie again and say that it is either the bonus or the APR. Then when none of that works, they say that the customer should have known since the bonus was not listed anywhere after the application was approved. This is not the case with XXXX or XXXX XXXX, or any other bank I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 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. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation