vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-26 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:
I have not been to Georgia I live in Florida. 
I have contacted all three bureaus : xperian says the account is ligament. 
I have had XXXX for over 20 years and have no products or services from XXXX! 
XXXX XXXX inquire # XXXX dispute center Fraud # XXXX I have contacted XXXX this is what they said : Thank you for contacting XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. 

Please contact Sequium - HQ, phone : XXXX to file your claim of fraud. Once your claim has been submitted and all required documentation has been received, you will receive notification of a decision within 14 days No response from this company leaving messages. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 Account Info Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I'm aware that I owe XXXX to synchrony bank. I contacted them on XX/XX/21 they say sold my account to XXXX XXXX turn out to be a law office that never heard of synchrony bank. I have no person or company to respond to. Synchrony Bank, XXXX XXXX XXXX, XXXX Florida 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 2021-12-26 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I was a victim of a data breech by credit companies years ago and was offered to have my scores frozen because of the data breech and identity theft. TransUnion has suspended my account and won't allow me to reset my username and password because of " too many attempts. '' It is XXXX near impossible to talk to a person on TransUnion - there is a menu that screens you before allowing you to talk to a representative and that cuts me off before I have the option. I have tried repeatedly. 

This comes up every time we try to get a mortgage loan or deal with a mortgage loan- they always ask for all three scores and I can't get access to TransUnion. 

Their site is circular, to get a reset you have to have current information, yet it tells me my current information is not correct an blocks me out. There appears to be no way to actually access a person to clean the mess up, but it has no problem blocking me from all access. The other two credit companies don't do this. TransUnion is really awful to deal with and in this case, holding our lives 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 2021-12-26 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: NY

Complaint narrative:
Pulled update of my credit report and didnt see any changes. You still posting this negative on my name but these accounts are not belong to me. I think someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: TX

Complaint narrative:
In XX/XX/2021 my credit was fraudulently pulled by XXXX XXXX, I filed a complaint XXXX XXXX sent out the fraudulent information to be removed from all three credit bureaus. The XXXXXXXX XXXX inquiry was removed from XXXX and XXXX, transunion is refusing to remove this inquiry from my credit report XXXX XXXX XXXX XXXX XXXX team sending out several letters and emails asking them to remove it. I have the contact information for the representative at XXXX XXXXl below. TransUnion is responsible for removing this fraudulent inquiry. 

XXXX 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 2021-12-26 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: NY

Complaint narrative:
Pulled update of my credit report and didnt see any changes. You still posting this negative on my name but these accounts are not belong to me. I think someone have my personal information

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 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is a predatory institution that lies, frauds, and deceives consumers. I have been trying to resolve this with the bank for over a year ( including in a phone call today ), but the bank is adept at wasting time, giving false information, and charging exorbitant fees from consumers. 

They said they reviewed my complaint, but have not provided the phone call records. Obtaining the phone records is essential in this case. 

In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department XXXX I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.

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 2021-12-26 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: TN

Complaint narrative:
On XX/XX/2021 I mailed in a dispute certified mail to Equifax that was received on XX/XX/2021 at XXXXXXXX XXXX confirmed by certified mail tracking number ( XXXX XXXX XXXX XXXX XXXX ). 
In this dispute Equifax was put on notice that items that were being furnished were the result of IDENTITY THEFT see FTC Report # XXXX I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file Pursuant to 15 U.S. Code 1681c2 ( a ) : US DEPT OF EDXXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX As of XX/XX/2021 Equifax has not complied with 15 U.S. Code 1681c2 ( a ) which puts them in VIOLATION of this Law.

Block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: NC

Complaint narrative:
On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the Equifax Report that there was a XXXX XXXXXXXX Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with XXXX XXXX XXXX I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting XXXX XXXX XXXX XXXX to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in XXXX XXXX XXXX XXXX  fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling XXXX XXXX XXXX XXXX, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within XXXX XXXX who he had had working with another of his clients who had an open case with XXXX XXXX  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from XXXX XXXX XXXX being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but XXXX XXXX XXXX is really working hard to make that impossible. 
After doing internet searches on issues with XXXX XXXX XXXX XXXX XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through XXXX XXXX XXXX through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and XXXX XXXX Bank will exacerbate id theft going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 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: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in Citizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had applied for a received a credit card intending to transfer a balance from one card to this new one. I called on XX/XX/2021 and spoke with a XXXX XXXX who told me they could provide an indirect balance transfer as they could not transfer directly ask Citibank owned both cards. I was told to buy something and make a payment. Once the payment cleared, I was to call back to process the indirect balance transfer. I placed a payment on the account for {$50.00}, waited for it to clear and called back. I was told the promotion that they offered me was no longer available and they couldnt go against the system. I was told that I was misinformed regarding how quickly things needed to be done, but I was never given a deadline. So now Im stressed before starting the new year and figuring that I need to sell the XXXX presents we have to provide.

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 2021-12-26 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: NY

Complaint narrative:
I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information

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 2021-12-26 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: NY

Complaint narrative:
I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/21 and been given the run around since. Please help by reaching out as Im terrified to lose our home.

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 2021-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2021, I made a purchase of {$74.00} for a gift for a relative of mine and elected to fulfill through PayPal. As thus, I place my relatives name under the shipping information section as he is my intended recipient while placing my own information under the billing details. Shortly after my purchase was placed, PayPal sends me a message stating that my transaction has been placed on hold and they require the date-of-birth of the name listed as my recipient. Upon calling PayPals customer support line, I inquired various questions regarding the nature of this request and what options are available to resolve. On this call, I spoke to a manager, expressing that I would like to decline providing the information and cancel the transaction, as I do not have the consent of the recipient to provide this information to PayPal. I ended the call with the manager agreeing to provide the Compliance Department with my request. Later I receive an email from PayPal which states Thank you for your response and sorry for the inconvenience caused to you. However, as part of our regulatory requirement, we need the date of birth of " RECIPIENT '' so that we can resolve this issue. I have replied to this email to restate that I do not have the partys consent to provide those details and have requested an alternative. I am currently awaiting a response from a PayPal representative regarding my reply. However, if they insist that I need to provide a DOB then I am not sure what action to take as that is personal information that is not my own, and I do not have the individuals consent to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
THE DEBT THAT THIS COMPANY TRYING TO COLLECT WAS FRAUDULENT OPENED AND NOT AUTHORIZE BY ME I DID NOT PROVIDE ANY ID OR SOCIAL TO THIS COMPANY I DISPUTED THIS INFORMATION BEFORE THE ADDRESS THAT THAT PROVIDED NEVER WAS MY ADDRESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
I recently checked my Credit Report on XXXX XXXX and I found an old debt has been re-inserted as new. I've reached out numerous times via US mail ( in XXXX & XXXX ) and I have sent letters informing them the debt is old and should be re-moved however they keep adding it. If you take a look at the screenshots I took you'll see 3 images. 

In report.jpg you will see it says " XXXX XXXX XXXX {$970.00} Opened XXXX '' If you check the other screenshots XXXX & XXXX you will see this {$970.00} debt was originally assigned XX/XX/XXXX The Arizona Statute of Limitations on Medical debt like this is 6 years. This should be ERASED from my report immediately

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