vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXXof this year ( XX/XX/2020), I had received a call to my place of employment by Navient. They had called my office, spoke with a coworker who then provided them with my direct line and transferred the call to me. I was unable to answer, so the call went to voicemail. I had called Navient shortly after and explicitly told them to not call my place of employment. I had informed them I am not able to take personal calls at work and could get in trouble I requested they remove my work phone number and to not call. 

Today, XX/XX/XXXX, at XXXX, Navient rep XXXX XXXX, called my place of employment after I have already explicitly requested they do not. They were then transferred to my line where she did not leave a message but instead immediately called my

line a 2nd time a few seconds after. It was during this 2nd call that a voicemail was left. When I called Navient and spoke with XXXX I had informed her I had explicitly told them to not call my work phone number and after being advised not to do so they still did. She indirectly attempted to justify it. During the call, Ms XXXX had accused me of being a thief, made accusations of never intending to pay and when I had informed her of my intent to file a complaint, she then threatened to escalate the matter as a form of retaliation. Furthermore, during the call she lied about the FDCPA guidelines on the number of calls they are allowed to make.

Navient rep was in violation of FDCPA for contacting my place of employment after I have explicitly requested they not call, for providing false information regarding the purview of the FDCPA, making accusations that I had stolen money from them and then threatening to retaliate when advised of my intent to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
During COVID 19, like other millions of people around the world, I ran into a financial hardship. I am on social security XXXX. I rely on tenants so I rent rooms in my house. I had two girls renting that XXXX   me ; they vandalized my home ; they stolen lots of valuables ( furs,  XXXX jewelry, XXXX sunglasses, etc ) ; they vandalized my floors ; stolen household items, you name it. I had to file charges and the State Attorney is prosecuting them ; one was XXXX. This was one of the WORST experience in all the times I rented ; nightmare! Also, the tenants experienced losses through COVID ; reduced house ; laid off which made it hard for them to pay rent. I have been recuperating from their theft and their loss wages. It was hard keeping up on my bills. I called Nordstrom  trying to explain the circumstances ; especially after  they sent out communication saying they were there to help through COVID. When I called, the rep was very " cold '' ; didn't care ; told me I need to make a payment or they are closing the account. I had this account for years ; never late until recently. Not at all expected that lack of support or help. Based on the current conditions and their " we are here to help '' correspondence, I expected more. That put me in a deeper  XXXX and I shut down!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have serveral business lenders pulling my personal credit form Experian and XXXX  account for my Buiness guarantee. This has been impacting my personal credit. I didnt authorize personal credit to be pull. Im unable to receive new credit. Its indicating Im shopping around for personal XXXX and XXXX on also pulled for business in XXXX and XXXX. My lastest XXXX business pulled my personal on XX/XX/2020 without my consent tried calling the company to retract the inquiry they gave me the run around called serversal spoke to 7 different representatives. Im fully aware of the difference between personal and buiness. It has impacted my ability to secure funding the behalf of my business. My business has been effected due to covid 19 and my personal credit.

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 2020-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial Services my VA home loan, they have made several errors on the account and i have NO Impound or Escrow account never have,. I tried emailing and call for over two weeks still no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I received a notification from XXXX  that I had a new collection on my credit file. I reviewed the credit file alert, and verified that Sequiun put a collection on my account from XXXX XXXX on XX/XX/2020 for XXXX. I have never had a bill from XXXX XXXX that was not paid, I've never been notified by XXXX about an outstanding bill, nor have I been notified by Sequiun about a collection or a past due bill. I only discovered this by the credit file alert. I do not owe this, I've no idea where this comes from. I've reported this as fraud to all three credit reporting agencies. I reviewed the website for this company after multiple times of trying to reach them. All XXXX 's at their company are full, there are never any people answering calls. There are many reports on their website of fraud occurring with other people, as well as on XXXX search. I've also reported them to XXXX. 

Sequium Asset Solutions XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Previous Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX My Previous Address is not correct. Please update.Previous Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX, | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX | Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX My Inquiries Information is not correct. Please update. XXXX XXXX XXXX XXXX Date of Inquiry : XX/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 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/2020 it was taken out of my bank account from cash app that was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: LA

Complaint narrative:
I have called the company several times I even sent out a demand letter so my car loan can be forgiven they reply back with a cease and desist letter which thats not what I ask for my car note is extremely high and so is my interest rate I pay every month but the balance Im stressed out majority of my check goes to my car note I need help tremendously ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: I.C. System, Inc.
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Regarding : Account XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am reaching out to you to make you aware of the request I have made to XXXX XXXX at Designed Receivable Solutions Inc., for him to mail and produce a copy of the original bill From XXXX XXXX XXXX XXXX that Designed Receivable Solutions Inc. is collecting for and has placed on my credit report. 

I requested a copy of the bill they claim I owe on XX/XX/XXXX and have not received it yet! I have since reached out to XXXX XXXX XXXX hospital billing department and they informed me I do not have a balance due with them. I also reached out to Doctor XXXX XXXX billing department, who is a part of the XXXX XXXX XXXX XXXX because XXXX stated the billing date was XX/XX/XXXX for Doctor XXXX. His office informed me as well I do not have a balance due. 

According the credit trade commission if the collecting agency do not produce/provide the original bill within 30 days, they have to delete the information from all 3 credit bureaus. It has been 2 months and every time the 3 credit reports contact them they say they are reporting correctly. They have stop calling me and returning my phone calls because they know they have to emove this debt from my credit report. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XX/XX/XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XX/XX/XXXXhas XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I have a collection account from Sequium Asset Solutions with a balance of {$59.00}. The account was opened on XX/XX/2020. I don't know the reason for this charge. I have never had any credit issues in the past. I have had no communication with the company regarding this charge and the charge simply appeared on my latest credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: FL

Complaint narrative:
I have XXXXent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XX/XX/XXXX - {$39000.00} - Car loan with Kia Motor Finance XX/XX/XXXX - {$41000.00} - Payments made from XX/XX/XXXX thru XX/XX/XXXX Account is now paid in full. 
As of XXXX XX/XX/XXXX credit agencies e.g., XXXX  have not been updated. Credit Agencies are still reporting an open balance of  {$15000.00}. Kia Motor Finance has not updated the credit agencies since XX/XX/XXXX. 

I have called, emailed and written Kia Motor Finance but they are unresponsive and ignore all communication.

I have a Letter of Satisfaction from Kia Motor Finance and my payment history attached for your review.

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 2020-10-19 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:
the inquires listed in this complaint was not me i did not fill out these applications

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 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi!! 
I have had an account with Best Buy for about 10 years. I have never missed a payment nor have I ever had any slow pays on the account. I made a purchase on the card and paid the account in full and over paid what was due by {$150.00}, so a credit of {$150.00} was applied to my account. 

My credit limit on the card is {$1200.00}. After that, I made a purchase around {$100.00} which still gave me a credit of about {$40.00}. I also received a statement in XXXX stating that as of XX/XX/XXXX, XXXX the balance was paid in full and that I was using 0 % of my accounts limit. 

In contrast- for whatever reason- I received a notice in XXXX stating I was 30 days past due in the amount of {$2.00} and it was reported on my credit. I immediately- left my job .... I am an essential worker and went to Best Buy to make the payment of {$2.00} and spoke with a manager. I was told I need to dispute the discrepancy with CBNA BANK. To date- I have not received any type of resolution. I have sent in copies of the receipts and bills to show my payment was made on time and also showed the bill that was sent to me stating I have never paid late. I am very frustrated because they have made an error by reporting this on my credit and my score have drooped over 60 points. AND THEY CONTINUE TO REPORT ME LATE ... .. NOW IT SAYS IM OVER 90 DAYS PAST DUE!! 
I was in the middle of financing for obtaining a home loan. Now my family and I can not move forward.

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 2020-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
After Repo I would like records of how much vehicle was sold for at auction and adjust left over payments if information not receive in 30 days please remove off credit report because it is reflecting my credit score to purchase another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED COMMUNITY BANK
State: GA

Complaint narrative:
On XX/XX/20 A debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was ignored. A modification request was received on XX/XX/20 by UNITED COMMUNITY BANK XXXX XXXX ; XXXX XXXX  XXXX with respect to a bad loan that the bank previously made to Me. 

Which was denied and I request an appeal and provide evidence to support that I made enough money to pay my mortgage. 

I did show an hardship according to 1403 HERA sec 1639a. These company have violated my rights and have knowing entered into predatory lending practices and have violated the lending laws. I also request a copy of the complete serving file and have not received anything from these companies. Section 809 ( b ) of the Act provides that if the consumer disputes the debt or requests identification of the original creditor in writing, the collector must cease collection efforts until he verifies the debt or identifies the original creditor and mails a response to the consumer. If the consumers request for verification of the debt was made in accordance with Section 809 ( b ) of the Act ; the collector need not supply the documentation but only so long as collection efforts are not resumed. Section 809 ( b ) requires that the collector cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt... and a copy of such verification... is mailed to the consumer by the debt collector. 
NOTHING HAS BEEN RECEIVED FROM THESE COMPANIES. 
They have violated the debt collection laws, the 1403 HERA sec 1639a laws, and the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) ( Public Law 116-136 ) By offering me a modification and not approving it for the Mortgage and then trying to proceed against me in a non-judicial foreclosure is deceptive and unfair. They have breached their legal duty to act fairly and in good faith by engaging in unfair and deceptive practices. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX are redlining my loan and have foreclosed on my property without proper validation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and UNITED COMMUNITY BANK XXXX XXXX XXXX XXXX XXXX XXXX has shown Discrimination on the basis of race national origin in the terms and conditions, or privileges of sale of a dwelling, in violation of 42 U.S.C 3604 ( b ). The is a gentrification of the neighborhood.

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 2020-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
They have a high Balance of {$27.00} and a balance of {$13.00} how much was the car sold in auction and how much is owed on the vehicle. I had a good relationship with Honda Financial and I was wondering how I can come back and purchase a vehicle and wave the extra fees owed?

Company response to consumer: Closed with explanation