vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 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: FL

Complaint narrative:
On XX/XX/2020 I spoke with a young lady from Sequium Asset solutions concerning a XXXX report that appeared on my credit report recently. I informed her that I had disputed the charge and that the account was not mine. I confirmed my name and date of birth with her and asked how did they get this information being I had not given it to XXXX. she was rude and stated I had to have done this other wise she wouldn't have it. she continued to cut me off as I explained I'm trying to get to the bottom of what happened so that I can resolved it. she stated that her company does not delete at all. I stated to her can I speak with a supervisor and she stated no just her, even if I call back it will be just her. She insisted she take me down memory lane ( her exact words ). This was embarrassing and frustrating. She informed me that a fraud packet could take up to 45 days or settlement for 7-14 days. She continue to bully the situation stating they would not delete it off my credit. I am unclear of how to get through to this company or the information needed to dispute this comcast ( Sequium ). This call lasted 26 mins of resulting in tears and no incite other than take the settlement ma'am. I have no contract or documents concerning this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX XXXX   in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX Bank sold this debt to Portfolio Recovery Solutions. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted Portfolio Recovery Solutions on XX/XX/XXXX and they said that XXXX XXXX XXXX out of North Dakota was handling the account. 

So I called XXXX XXXX XXXX  and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against XXXX XXXX XXXX, and Portfolio Recovery Assets. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Last year around this time, I entered a local used appliance store ( I believe the name of the store is XXXX XXXX in XXXX  XXXX, Michigan ) to look at a washer and dryer after mine had broken down, on the vice of a repairman who came out to fix it. I explained to the gut that I needed a unit soon. he assured me he could get it delivered right away. During the sale, I was offered finance through a company called XXXX XXXX that would allow me to stretch payments. I agreed. Delivery was not made. My roommate contacted the store to see what was the problem, and was told they were behind. I then received a call from the delivery guy stating he'd been hurt. I then went in to the store and got a different story, that the truck had broke down, and was told the local mechanic working on it. I drove by that shop that they said was repairing it and the store 's truck was no where on the property. I felt like I was being deceived, or at the very least being given the " run around '' decided I could not wait any longer, and would just go buy a new unit from XXXX XXXX. I went into the store to tell them I wanted to cancel the sale and they said " okay ''. I noticed went I went back into the store that the washer and dryer was still on the sales floor. On the way out I felt like I wanted to leave on a good note, and wished the owner best of luck with his business. When I got home, the credit company told me they were not going to cancel the sale. I called the store back, and the owner told me that he did not like the tone of my " wishing him good luck '', and he was not going to cancel the sale that they were going to deliver it. Basically, he was forcing me to take delivery. I told him that I would not accept delivery. 

After that, XXXX XXXX  has called me twice for payment, and both times I explained to them that I had not received any merchandise from this company, nor would I after the treatment I received. I felt it was mislead, harassed and intimidated, and that they ( XXXX ) were now harassing me as well for payment of merchandise I did not receive. 

Now, I'm received e-mails from True Accord, a debt collector, concerning this, and called them to explain what happened as well. 

Since this has gone to a debt collector now, I feel this is adversely affecting my credit, and that the store has committed fraud by billing XXXX XXXXXXXX for merchandise that I did not receive, and XXXX XXXX is in turn trying to get money from me through this debt collector. I would like any help I can get to stop this harassment that has gone on for over a year now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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:
I just went over my credit reports and I noticed that there are some false accounts that are being reported on my credit. These accounts are derogatory and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.

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 2020-04-03 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: FL

Complaint narrative:
I just went over my credit reports and I noticed that there are some false accounts that are being reported on my credit. These accounts are derogatory and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Freedom Mortgage Corporation is not following HUD guidance on the Corona-19 mortgage forbearance. They are requiring 6 pages of documentation and are only offering a 3 month forbearance on an FHA loan with the full amount due at the end of the period. This is on XXXX despite the order coming down on XXXX. After waiting on hold for 45 minutes at the suggestion of the HUD which states the program is available at all FHA servicers, Freedom explains that they do not offer that program.

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 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I have been trying to reach Rushmore Loan Management Services to discuss what options are available during the pandemic. I called on XXXX2020 around XXXX PST and continue to called as they said they were open until XXXX PST. The auto message then said they were closed. We have tried contacting them through their messaging service and still no answer. I am on the phone currently XXXX2020 and have been waiting over 51mins XXXX PST. Many others on their XXXX social media have complained about not getting through as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2020 I received an alert from XXXX stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at TransUnion that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of 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 2020-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX / XXXX Transfer of {$1500.00} was sent to the wrong phone number for rent payment. 

WRONG # : XXXX  XXXX XXXX CORRECT # : XXXX ) XXXX We contacted chase bank the same day when error was realized. They open a " attempt to recover '' claim due to customer error. 

We also contracted ; XXXX XXXX at phone number : XXXX ) XXXX He informed us that he contacted his bank ( Wells Fargo ) and informed them of the error and requested they send the money back to me. 

I have been in contract with the branch manager at wells fargo at the below address. This is the location the receiver of our funds also went in regarding the issue. 

XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wells Fargo withdrawn the funds from the receivers account and has refused to give me any updates to date XXXX XXXX informed me that wells fargo closed their attempt to recover because wells fargo declined their attempt. They will no open another attempt to recover claim. 

Wells fargo provided me with a case number : CASE NUMBER : XXXX and their Faud Departments phone # : XXXX ) XXXX As of today XXXX Wells Fargo will not provide me with any information. They have declined providing me with proof of my funds being sent back to us and will not provide us with any resolution. 

We are currently facing an eviction due to us not having those funds to pay our rent in over 30 days. My boyfriend is out of work due to the COVID-19 pandemic. and we are struggling to survive due to this issue. 

We beg someone help us. Wells Fargo will not provide us with our money back even when they took it from the receiver.

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 2020-04-03 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am an identity theft victim. Someone stole my identity to open a credit card with American Express. I did not know anything until one day XXXX XXXX XXXX, XXXX. sent me a letter that said that I owe American Express {$10000.00}. I called American Express but they already closed that account. For the first time, I figured out I can check the credit report from my XXXX account. Someone stole my identity, opened, and used the credit cards : American Express and XXXX. I filed the report with www.identitytheft.gov and filed the police report with the XXXX Police Department. I filed I sent both reports to American Express and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2020. I filed with XXXX, too and they resolved that credit debt. However, my problem is not resolved with American Express. When the police called me and asked me " do you want me to get a court order and ask these banks to disclose these accounts investigate this fault or do you just one to just want to get a police report ''. I thought these banks can solve my problems, so I just get a report. If American Express will not solve my problem, I will ask the police to get the court order to investigate this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Concerning Equifax. I tried to get free credit reports for over a month at myequifax.com. 

becasue they are incompetent and can not be trusted with Americans personal credit information. 

I could not access my report through that porital. 

Then I fled a complaint with CFPB and Equifax emailed me with information that also would not let me access my credit report. 

I tried to email them four times over apporoximately the last month, with no resonse from Equifax. 

Could you please fine the XXXX out of these incompetent and vindictive XXXX? 

When I finally get my credit report I will probably file a lawsuit for reporting violations of the FCRA, since XXXX, 2019. 

Eqiufax knows this and is intetionally stalling giving me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was contacted by a process server for XXXX county stating I was being legally notified that I would be served papers. They told me to contact their office at XXXX-XXXX-XXXX  to discuss the matter to prevent proceedings. When I called I spoke with XXXX XXXX who said that Barclays Juniper Bank was processing a lawsuit against me for debt from 2008. He had my name, SSN, address, phone number and relative information. He told me that he was notifying me that they were mediating the case to prevent legal proceedings. The original voicemail had identified themselves as process servers but he told me that they are not process servers, they are a debt consolidation and mediation firm called XXXX XXXX and directed me to a website XXXX. The website exists however there is no other information regarding this firm online anywhere. They also said that they would take payment for debt which I know process servers would not, but a debt collector would. They are falsely identifying themselves as process servers in order to trick consumers into paying off an old debt. The debt he was referring to was from 2008 from Barclays Juniper Bank. I have never received any written notification of this yet he had my correct address on file. He said he would have his supervisor contact me regarding my case.

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 2020-04-03 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX  XXXX {$0.00} XXXX XXXX {$680.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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: CA

Complaint narrative:
NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO EQUIFAX AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Upon the termination of my lease, XXXX XXXX XXXX sent me a deposit invoice with a final bill in the amount of {$6700.00}. I initially contacted them to dispute that I was not the only lessee on the contract and that my co-lessee should be responsible for half the bill. I then received a bill from the collection agency Hunter Warfield for an unpaid debt in the amount of {$8800.00}. I attempted to contact both XXXX XXXX XXXX and Hunter Warfield to inquire as to the nature of the discrepancy in price. The property services told me to refer back to my deposit invoice and refused to correct the information. I am disputing the amount owed on the grounds that I am not the only lessee, as well as incorrect debt amounts, and would like this removed from 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 2020-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rodenburg LLP
State: MN

Complaint narrative:
A company called XXXX XXXX XXXX in XXXX XXXX, MN took my XXXX/XXXX  XXXX  in XXXX for services that I never received from them. 
They also repeatedly charged my credit card {$200.00} and they did pay those back to me after I disputed with my credit card company. I did not know about the XXXX XXXX at this time. 

XXXX XXXX  sold this debt to XXXX XXXX XXXX. It was made as a judgement against me in XXXX, and showed up on one of my credit reports in XXXX. I contacted XXXX XXXX XXXX on XX/XX/XXXX and they said that Rodenburg Law Firm out of North Dakota was handling the account. 

So I called Rodenburg Law Firm and was forwarded to a voicemail for a XXXX at ext. # XXXX. She called me back, and I asked her to send literature on this account, as I believe I do not owe this debt. I received literature in the mail, and I have called and left countless voicemails. No one answers the phones, and no one returns my calls. I need this taken care of, as I am trying to close on a house, and this is preventing me to do so. 

There is an active judgement against me, that I do not agree with, and have disputed numerous times. XXXX XXXX XXXX agrees that I do not owe the debt. Yet after it has been sold and sold, I can not get a hold of anyone to remove it, or help me get this taken care of. If they are going to file something on me like this, they should make sure consumers are able to get in contact with someone to take care of it. I feel trapped. 

This is not fair, and I am filing a complaint against Rodenburg Law Firm, and XXXX XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation