vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2020 i file dispute with all three credit bureaus I have yet to receive anything from them. There has been enough time to reply to my request.

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 2020-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a credit card that was never activated issued by Wells Fargo, and I had never used the card before. In XX/XX/2019. A charge in the amount of $ XXXXwas charged for a hotel stay. The {$740.00} on XX/XX/2019 XXXX XXXX XXXX in XXXX XXXX. I have never flown out of the country to XXXX. I don't even have a passport. 

I filed a fraud report with local XXXX Sherrif 's police department reporting the fraud that was made on the card. I also filed a report to Wells Fargo, and tried to resolve this issue without a resolution at the time that I am filing this complain against them. I have excellent credit, and this transaction is having an impact on my credit score. 

I have a file to send to you, I am not able to submit all of the documents here online. I have over 40 pages of documents. 

I need an immediate resolution, as I been trying to resolve this issue for almost a year now. I even contacted the State Attorney 's General 's Office, and could not reach a resolution there either.

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 monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX SEQUIUM ASSET SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-08-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have 3 visa gift cards that I received for a birthday, but never used because I moved and I thought I had lost them. I recently found them, and discovered that the balance is {$0.00}. My cards have been charged inactivity fees until there was nothing left. I have contacted the customer service number on the back and they will not help. They tell me I should have called to report the cards lost, but how could I do that if I didnt have the card numbers to give them? I ask to speak to a manager but they say there is no one available and they just redirect me to US Bank, the bank that issues the card, but they give me no number to call. When I asked for a number they said to just XXXX US Bank. What kind of customer service is this? They also said all they could do is submit a fee reversal request. I asked when I would hear back from them. They said I had to keep calling back, but they could not give me a time frame. That was 1 month ago and still they say nothing has changed and there is no place to complain to. I have read a lot of reviews for this company similar to mine. I honestly think this is a gift card scam that is just tricking people into to buying gift cards that they will never get to use. This company is tied to US Bank apparently, but when I reached out to US Bank they said they can not help. This company should be investigated for fraud.

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 monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX and their collection agency XXXX have claimed that I owe them {$340.00}. I have never had service with XXXX, I have never lived in an area that XXXX has provided a service, and I have never received a bill from them. They have negatively affected my credit and have refused to remove a derogatory entry on my 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 2020-08-27 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Credit agencies on credit that I didnt apply for, need help removing the inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 fraudulent activity, withdraws were made through both my fianc and my bank accounts By Cash App./Square Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
At this time, I have paid Navient approximately {$16000.00} from XX/XX/XXXX through the current date. I'm in good standing. My original loan was issued for {$13000.00} on XX/XX/XXXX. As XX/XX/XXXX, I still owe {$13000.00}. This company takes advantage of young adults who want to go to school, the interest rates spike so high that most payments only go towards interest. I have already paid back the original loan amount and then some. To still owe almost the same amount of money to this company as I originally borrowed 14 years ago, with long standing payments is asinine. There is a recorded call ( Navient ownership ) from XX/XX/XXXX discussing this issue. Thank you for your time reviewing this, and please let me know if I can provide any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander Consumer USA, was found guilty of using an Internal scoring system to trick consumers into getting car loans and charging a more than higher interest rates as high as 45 % in some cases. 

The Attorney General of California, has deemed the company guilty of fraudulent acts and business practices. The courts has fined the company over {$500.00} XXXX XXXX in restitution to be paid back to consumers who vehicles were repossessed in the first twelve months, and must remove any all negative items off credit report. 

Santander Consumer USA, is refusing to remove items, and pay restitution to consumer by stating no fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: TX

Complaint narrative:
I have been being billed for services they are offering for free. And they are showing me all three credit bureau 's reports, but the information they are showing is incorrect. I also have an account with XXXX XXXX, they are reporting the account is closed on all three reports. This account is open and is current. I checked with them to see if it was a problem on their end. They said that they have been reporting to all 3 for the last 4 months and that my account is being reported open and current. There are also student loan accounts that are reported duplicate and are showing they are negative. There should only be 4 student loan accounts that should show closed/and paid.

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 2020-08-27 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: TX

Complaint narrative:
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 FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year all not mine FIVEPOINT CREDIT UNION XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date XXXX Dispute MOUNTAIN RUN SOLUTIONS L XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date XXXX Dispute SANTANDER CONSUMER XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account XXXX XXXX XXXX {$360.00} Date XXXX Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Amerisave was recommended by me current mortgage company , XXXX XXXX XXXX XXXX, in order to apply for an IRRL ( VA ) mortgage. After speaking to a loan officer ( XXXX XXXX ) and submitting documentation with private information concerning my mortgage and VA information, I was put in contact with a loan processor ( XXXX XXXX ). After one phone call from the loan processor, I was never contacted again. I have tried repeatedly to reach the company via email, phone number ( extensions, and even calling the company directly. Nobody has answered after nearly 25 days.

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 2020-08-27 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: CITIBANK, N.A.
State: KY

Complaint narrative:
Credit agencies on credit that I didnt apply for, need help removing the inquiries

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 2020-08-27 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:
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 SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, XXXX XXXXXXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SINGLE FAMILY Year all not mine XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account TypeCell Phone Balance {$360.00} Date OpenedXX/XX/XXXX Dispute

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 2020-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.

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 2020-08-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I WAS SPEAKING WITH A LADY ON THE PHONE REGARDING THE DEFERMENTS XXXX XXXX WAS GIVING DUE TO COVID TO PUSH BACK PAYMENT. I WAS SENT A BILL I WASN'T AWARE OF ABOUT THE DEFERMENT SO I CALLED AND ON THE PHONE SHE INFORMED ME THAT IT WAS AUTOMATICALLY GENERATED FOR ALL CUSTOMERS BUT DON'T WORRY ABOUT THE BILL.I SAID OK PERFECT AND WHILE I'M ON THE PHONE CAN I PUT ANOTHER DEFERMENT IN FOR THE FOLLOWING MONTH? THE WOMAN ON THE PHONE SAID YES I CAN DO THAT FOR YOU. I SAID GREAT THANK YOU SO MUCH. I DIDN'T WORRY ABOUT THE NEXT MONTH AND THOUGHT MY ACCOUNT WAS IN DEFERMENT AS THE LADY TOLD ME. COME THE FOLLOWING MONTH I GET A PHONE CALL TOWARD THE END OF THE MONTH MAYBE 15 20 DAYS OR SO INTO THE MONTH SAYING MY CAR PAYMENT IS LATE. I WAS IN SHOCK. I HAVE NEVER BEEN LATE ON A PAYMENT IN MY LIFE. I TOLD HER THIS ENTIRE STORY AND SHE COULD SEE THAT I DID CALL IN AND SPEAK TO SOMEONE SO SHE WAIVED MY LATE PAYMENT FEE WHICH I HAVE PROOF OF ON THE SITE AND SAID CAN I PAY NOW. I SAID ABSOLUTELY OF COURSE I WILL PAY IT RIGHT NOW AND ALSO ASKED HER TO TRY AND MAKE SURE THIS IS NOT ON MY CREDIT BECAUSE I WASN'T LATE I NEVER KNEW I HAD TO MAKE A PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I paid a collection from XX/XX/2019 to a company and ask for a letter of deletion for payment. 
I received the letter and the collection is in my credit report under PAID. This collection is only under XXXX. I receive a letter from the company regarding to delete the collection but it remains 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 2020-08-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
For the past three months I have noticed that my credit score would decrease by approx 20 points and would increase by approx the same amount of points at the beginning of each month. I have pulled my credit report several times over the last 3 months to ensure that there aren't items I need to dispute and determined that everything is the same and that I did not need to dispute any items. No new debts/collections have been added over the past three months as well which is why I am not sure what would warrant equifax to lower my score and then add back the same points consistently for the past three months. It's as if my score is being purposely manipuIated. I have been working really hard over the last year to pay off debt and consistently pay all my bills on time to repair my credit and increase my credit score. This has been extremely frustrating because all the work is not paying off due to this issue. I am not sure why this has been happening. I have called equifax on several occasions to request that someone look into this matter for me but no one will do anything. I have also requested to speak with Supervisors ' but have been denied. The only thing they state is " if you would like to dispute an item we can assist with that '', I don't have anything to dispute at this point, I just don't want my score unfairly decreased for no good reason. I would greatly appreciate it if someone could investigate this for me. Thank you-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had been in the process of refinancing my current mortgage. 
After receiving a loan approval notification, I was told closing should be within the month. 

Due to continued mishandling of documents and delays by the loan officer/processor the date kept getting pushed back. I was unable to contact the loan officer/processor for several weeks, neither by email nor phone with a response. 

I decided to escalate the issue with the main office and they assured me the loan officer would reach out to me, after another week of no response, I called to escalate the issue again. After speaking with another representative, they assured me that they had escalated the issue internally. 

That very evening I received an after-hours email from the loan officer I had been trying to contact for several weeks, telling me my refinance approval was now declined. 

Given the fact that I was repeatedly told closing on the loan would be " next week.. '', never having a red flag during the underwriting process and the swiftness of the response after I escalated the issue makes me believe this cancellation was retaliatory due to my complaints.

Company response to consumer: Closed with explanation