vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have been trying to fix my credit and I started working with this company, which assists and helps in taking away false/inaccurate credit reports. After I reported these accounts as inaccurate since I did not do any medical operations for this amount that they are reporting, I repeatedly called and asked them to verify the debt and send me verification as to why do I owe this money and for what procedures. They failed to do so and never sent me anything till now. 

Not only that but the company I am working with did succeed to remove the debt from my credit report, but only for a very short time and some how this collection company managed to place it back again. Shortly after I received a phone call from them and it went as follow : The representative of this collection company was extremely rude, he said " there is nothing that you will do that will take away this debt, you will not get it rid of it unless you pay us in full. Every time you will take it out of your credit report we will submit it right back and decrease your credit score more, and start counting another 7 years '' This company name is SEQUOIA FINANCIAL SVCS. I truly need your help as this is hurting me specially during this hard times, and it just feels very abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I will deposit {$640.00} per car teller at Bank of America XXXX XXXX XXXX Fl. And the teller snapped and reflected {$300.00} nothing more. I notice the teller machine that will notify me of bank fraud, park me, call, they were left to resolve. As of today, XX/XX/2021, I have not received any response, they say be patient, they left my money frozen, the one that had deposited {$300.00} and those that I deposited that day. On XX/XX/2021, my taxes entered even with a closed account, they received them, they kept the money and they do not want to return it to me by check or other form. XXXX XXXX filled in my taxes, I sent the money to them at Bank of America, now they help me, they complained they don't give him information and they told him they had no information. What to do? I have a balance in that bank of almost {$1500.00}, it is my savings, I ran out of money, they have not been kind, they do not mind solving 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 monetary relief
Consumer complaint received 2021-09-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a debt with Barclaycard which was settled with them In XXXX of XXXX. In XXXX, XXXX and XXXX of XXXX, Ive attempted to get them to correct their reporting and each time they correct a small part of it, only to have it reappear on my report weeks later. This is an egregious disservice to consumers and shows XXXX  has no desire to ensure the proper reporting of financial data, which can ruin peoples lives.

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 2021-09-05 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: IA

Complaint narrative:
To Whom It May Concern I have a fraudulent Hard Inquiry on my personal credit report. The error has been generated by the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX posted as of XX/XX/2020. I have contacted the company repeatedly to no avail. I have been a victim of identity theft and clearly this is fraud. I have never had dealings with this company. I have disputed this both with Equifax and with XXXX XXXX XXXX and keep getting the runaround switched from department to department never to get resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called Nissan to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from Nissan that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the Nissan representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called Nissan personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a Nissan representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with NMAC been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote Nissan explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, Nissan offered help and then punished us for accepting it. It was the wrong way to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2021-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
We have been trying to get the PMI on our mortgage cancelled for 6 months. NewRez is the servicer.

We have called, messaged, and I sent a certified letter via USPS. They don't seem to know what PMI even is. 

Also, I am again locked out of the account on their website, stating wrong SS #, when it is not wrong. 


Loan : XXXX at XXXX XXXX, XXXX, MI XXXX Appraised Value : {$390000.00} In XX/XX/2021, {$38000.00} was paid towards this loan, which brought the total we owed to {$310000.00}. 

That right there brought the L to V ratio to 79.73 %. 

We immediately contacted NewRez, they have played all kinds of games, they don't know what PMI is. They said we had only paid 98 % towards the loan, then tried to sell us refinancing we didn't ask for. 

We currently are at : {$310000.00} owed 21.11 % paid off We have been above the required 20 % since XX/XX/2021. This is terrible service. We mailed NewRez the thousands of dollars in improvements we have had done, and they again, answered with advertising. 

We did our due diligence according to the Homeowners Protection Act. 

They have been charging $ XXXX/month. They even have it projected to the future of the next 2 years paying that much per month. 

We want our money back. That is : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again, XXXX. 

Yes, they charged us PMI TWICE in XXXX. I'm looking at the printout they mailed to me since I can not get in our account. 

NewRez owes us {$1300.00} plus the interest rate of our loan. And it would be great to get a different Servicer, one who knows how to do math. 

This was also sent to XXXX 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 2021-09-05 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: TX

Complaint narrative:
I have requested and disputed inaccurate information reported to credit bureaus by XXXX XXXX XXXX since XXXX  and asked them to validate the debt. I filed a CFPB several times since XX/XX/XXXXand have received no response. I have also filed several disputes with Transunion who also refuses to provide any documentation to validate the debt. According to FDCPA, Since both XXXX and Transunion failed to respond to these validation request within 30 days fromXX/XX/XXXX, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Also, since every action XXXX & Transunion has taken is considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This will include any listing of any information to a credit-reporting repository that could be inaccurate, invalidated or malicious. Since XXXX I never received any notification from XXXX that is required under FCR guidelines. Also at that time they reported that the debt was owed to XXXX XXXX ( I paid the surety bond directly before move in ). Once I disputed with XXXX, they updated the original creditor from XXXX XXXX ( never made any collections attempts ) to XXXX XXXX XXXX AFTER XXXX XXXX XXXX received XXXX XXXX XXXX payout. This collection tactic is deceitful. I have attached the copy of my XXXX  credit report as proof that XXXX and Transunion switched the original creditor from XXXX XXXX to XXXX XXXX XXXX on my credit reports.

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 2021-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On the morning of XX/XX/XXXX I opened my banking app to check my exact balance before I made a purchase on XXXX. When I used it the day before I had {$4100.00} and some change, I didn't want to go too far below that. 

As soon as I went to open the app, it logged me out. I went to log back in and it said my account was closed. I instantly started freaking out. Doing a XXXX search of " Chime closing accounts '' doesn't bring up any positive news cause apparently they will close peoples accounts and withhold their money for no reason other than " their agreement ''. 

I originally sent Chime an email, asking why, as well as any supporting documents for all of my larger transactions since I figured that may be why they closed it because of my XXXX  or whatnot. 

But I decided to call them to find out specifically why. 

You can not get through because the bot detects my account is closed and hangs up. Probably some of the most shady support tactics I've seen with any company. 

So I called XXXX XXXX. Upon reaching an agent, I confirmed my info and they said I have to talk to Chime. Originally they tried to give me a phone number and I said no that doesn't work so they transferred me to an agent. 

I spoke with 4 different people at Chime. All of them saying my bank account was closed due to a decision at XXXX XXXX, and my money will be refunded within 30 days. I wanted to know what specifically is the reason why they closed it. They wouldn't tell me just to email XXXX. I advised them I wasn't waiting 3 days to find out why they are stealing/holding my money for at least a month. They kept repeating the same thing and wouldn't even let me transfer my funds to my linked account. 

Next I called XXXX XXXX  since they're supposedly the ones who actually closed it. They told me the same thing. They said they will fill out a report and someone will be in contact in 2 to 3 business days. 

All of this was done on a Monday, and I have yet to have any response via any method at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I went to refinance my mortgage and had everything ready to go and then the bank calls and says they cant approve my loan due to a recent unsatisfactory judgement from wakefield and associates. I had taken out a XXXX loan in XX/XX/XXXX and that judgement didnt show up on my credit plus I have taken out another XXXX in personal loans in XXXX and XX/XX/XXXX and again nothing about this on my credit report. So I contact wakefield and i will attach the email that says the whole story.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2021-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called XXXX to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from XXXX that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the XXXX representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called XXXX personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a XXXX representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with XXXX been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months XXXX along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote XXXX explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, XXXX offered help and then punished us for accepting it. It was the wrong way to handle the situation.

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 2021-09-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called XXXX to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from XXXX that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the XXXX representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called XXXX personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a XXXX representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with XXXX been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote XXXX explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, XXXX offered help and then punished us for accepting it. It was the wrong way to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05 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: FL

Complaint narrative:
I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called XXXX to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from XXXX that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the XXXX representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called XXXX personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a XXXX representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with XXXX been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote XXXX explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, XXXX offered help and then punished us for accepting it. It was the wrong way to handle the situation.

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