vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 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: NC

Complaint narrative:
There is a collection that just reported to my credit file name is Sequium Asset Solutions for {$340.00} this debt is NOT mine. I called the company, I never even lived at the address listed on this account. This is fraud and I want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX i submitted a dispute of a collection account that appeared out of nowhere with the name XXXX XXXX XXXX via Equifax with confirmation # XXXX. On images attached you will see that dispute is still categorized as " under investigation '' but it is day 33 already and counting. It is clear that Equifax are in violation of my rights as a consumer and am requesting legal action for this account to be removed immediately from Equifax and all other credit reporting agencies such as XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I was a victim of a online scam. I was in search of a car part and had posted a want to buy. A random guy reached out to me and said to email his buddy that he has the part I need. I did after some communication via email and text I sent him {$500.00} via Zelle XXXX and he disappeared. I immediately filed a fraud claim with XXXX its been over a month and the bank has no updates no provisional credit, nothing. I call once a week and get a run around. Finally called one last time today and they told me that sorry we wont be able to get you your money back because you paid with Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I have a new collection on my report. I have never heard of this collection agency trying to contact me about this issue. All medical bills were paid with XXXX. I have asked them to remove this and validate this. I have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-09-25 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC
State: TX

Complaint narrative:
Hello, I did call and spend about an hour on the phone with customer service, and the billing department. They were of no help at all. Please send this email to someone who can help me and understands what a payment arrangement is, and also send to a manager. 
We have been long time, good customers. Always have paid on time. As soon as we started struggling financially, because of Covid, we reached out and made payments arrangements on the account. These arrangement were to keep the loan in good standing while I waited to go back to work. We had to do this several times, because the auto drafted payments werent being drafted. So I would log in and make a payment arrangement and a payment. We were diligent about this, because of our credit. Then I received another email saying that there was another program available to me, so I then signed up for that as well and paid the {$71.00} to enroll in. Soon after that with zero notice the account was charged off and 6 30 day lates were added to my credit report! All of this while our entire country is falling apart and people are fighting to keep their head above water. We were so careful to make sure we had the payment arrangements in place so this would not happen. This reporting should not have happened because of the payments arrangements were made and there was no notice. It caused our refinance on our home to fall through and is now causing many more financial hardships. Please remove the charge off and all of the 30 day lates. 
The account was charged off and paid, my balance now shows negative balance on the companies website Please someone do something about this. This is not fair or good business Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Did not do what they said they would do in my 1st Complaint! They have my SS # blocked where I am not able to call to speak with a person. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! 
I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! 

Please refer to my first complaint # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single mother to a baby girl, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.

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 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I have had this company find ways to get in touch with relatives of mine they found phone numbers to relatives I did not give to them. They have threatened my relatives that I was going to jail if I didnt pay the debt, they have also told them my personal information that was suppose to be kept confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I called Discover to initiate fraud complaint against " XXXX, XXXX '' on or about XX/XX/2020 after learning XXXX XXXX decided to close the business without fulfilling services to the hockey teams in the league. Specifically, in an email dated XX/XX/2020, XXXX, XXXX determined that I was owed a league credit of {$1700.00} for my team for unfulfilled games, then closed the league on XX/XX/2020, without providing restitution for the money owed to my players for these services. There are 10 credit card transactions that total {$1700.00} that Discover initially credited my account for in XXXX 2020. However, by XX/XX/2020, Discover reversed all these credits and resolved the disputes in the merchant 's favor, even though the merchant never delivered the services to my team. XXXX, XXXX committed fraud and embezzled my team 's money and Discover refuses to provide any consumer protection on this issue. In my final communication with Discover on this issue on XX/XX/2020, they stated, " the case will remain in the merchant 's favor until we receive documents showing the Discover Card has been promised a credit of the amount you are disputing, including the specific amounts and the carte number. Without that documentation, we are unable to proceed with your cases. '' On XX/XX/2020, I spoke with multiple other team captains that were taken advantage of by XXXX, XXXX, and they successfully were able to dispute their fraudulent charges from this situation with XXXX, so its frustrating that Discover will not also protect their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
THIS IS NOT A DUPLICATE. THIS IS A FOLLOW UP TO COMPLAINT XXXX WHICH WAS NOT RESOLVED. 

I received the letter attached from the Citibank Executive Response Unit XX/XX/XXXX. This letter references the incorrect account number, states that a check was sent to an unrelated address ( even though I confirmed the correct address 3 times, yet they managed to send a check to XXXX but the account address is in XXXX? ). Additionally, they state I requested to close the account but this was their decision and they failed to request any additional documentation due to a systems " glitch ''. 

I called the executive response unit and was assigned an investigator - XXXX XXXX, whom I have yet to hear from even though I was promised she would reach out to me within 24-48hrs ( it has now been over a week, I have called, left VMs, etc and nothing ) I called customer service various times. Asked for the previous check to be cancelled and for a new one to be mailed to the correct address ( I called Friday XX/XX/XXXX ) was told by an agent he could have this done. Called Monday XX/XX/XXXX, spoke to XXXX and she says she didn't see any request done on XX/XX/XXXX that she would do it. Called again today XX/XX/XXXX, the agent states a check was sent XX/XX/XXXX to the wrong address. I asked if I could go to a branch and withdraw the funds, she says no because the account balance is {$0.00} as the {$27000.00} was already sent .. a month ago and I haven't received it? makes no sense.

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 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/20 funds were issued through employment security Commission and i had to call and update info to get new debit card. I found out later that i could possibly get emergency funds so i would have money for a motel while i waited for card to come.the rep said she filled out application and just had to get approved by supervisors. She had my phone number in case of disconnect and 2 hours later i get disconnected and when i call back my card has been blocked because of her mishandling my account.i was on the phone until XXXX with NO luck and i was told it voided new card also. Im not happy and can't tell anyone in fear of being disconnected repeatedly.i am being punished for her mistake and they do not have protocols in place to insure customers don't have to deal with this. I am just so mad at B.O.A because i need my funds. Thanks for any help you can give me sincerely XXXX XXXX XXXX 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 2020-09-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed a item on my credit report with experian and as a result it was removed from my credit report on XX/XX/2020 then on XX/XX/2020 it was put back on my experian credit report i have filed another dispute and they are refusing to remove it

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 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During Covid-19 this XXXX of 2020, and even before the pandemic I opened an account in order to purchase a home for me and my family. While doing so, I had utilized some spam I had in my account and decided to utilize a Hotel membership I had never been interested in utilizing. I have paid the Company in amount ( s )  not exceeding {$15000.00} while traveling, seeking, advocating just fair housing rights and public rights administration

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 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I filed a complaint on XX/XX/2020 in which Rent Recovery Solutions response continues to be a stall static in order to try and collect a debt in which I do not owe. 

In my previous letters, I stated that all correspondence was being forwarded to my attorney. Only if I decide to file suit you will be contacted by my attorney. 

As I have tried to keep this matter out of court and save us both some time but your company is still trying to collect money in which I do not owe your company any money. 

Your company never investigated this matter which is very deceptive. Your company never told me who I supposedly owe this money to! 

I have never received any sum of money nor merchandise from Rent Recovery Solutions so please tell me what binds me to you? 

If XXXX XXXX  XXXX  and The XXXX XXXX is also stating that they can not verify this debt then again who do I supposedly owe this money to? 

This company continues to operate on deceptive practices to illegally collect money in which isn't owed. 

Please provide me with a legal contract that binds me to Rent Recovery Solutions and that shows I have received any sum of money or merchandise from your company in which I signed and promised to pay your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XX/XX/2020 I received an alert from the credit bureau advising me that a collection had been placed with my account with IC Systems. I immediately found the name of the medical group that sent IC Systems the account and made the payment directly with them. The payment was made with XXXX XXXX XXXX on XX/XX/2020 in the amount of {$120.00} 9 ( confirmation # XXXX ). I called IC Systems on XX/XX/2020 and asked them to remove the collection off of my report because the account was not settled with them. It was settled directly with the XXXX XXXX so they didn't need to be reporting a collection anymore. I provided them with all of the information ( date payment was made, the amount, and confirmation number ). I called them again on XX/XX/2020 to see if this had been resolved and they stated that it still remained and was waiting on XXXX. I called XXXX and advised them that the collection company was still reporting a debt and that they needed to contact them to remove it. They advised they would send the needed information to IC to have them pull the account from the credit bureau. Yesterday XX/XX/2020, I received an alert stating that IC System not only hasn't removed their account on my credit report but they updated the payment status to paid/improved. So they made an update with the credit bureau but did not REMOVE the account. I did NOT pay them I pay the medical group directly and owed no balance with IC. XXXX  removed from credit report on XX/XX/2020 when I showed proof of payment directly with the medical group and they removed the very same day. XXXX  will NOT remove this from my credit report even with proof. This is shady as XXXX and I'm really irritated. It's affecting my credit score and need to be REMOVED.

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 2020-09-25 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: Avant Credit Corporation
State: OH

Complaint narrative:
I have had several amounts since XXXX charged without my authorization on Avant credit card. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total {$180.00} Fees {$50.00} plus interest For XXXX transactions I was told I would have to pay in order for the charges to not show delinquent on my credit report and I will be reimbursed after investigation. No investigation ever occurred. I paid in order to not have this show on my credit. 

I since have never used this account once due to the lack of follow up and horrible service and secondly because I never recieved a replacement card for the cancellation of the first card. 

For XXXX I was so upset I refused to pay again for more and more expensive purchases that were not mine. I was told no worries and someone would call me back within 2-5 days to resolve. I did not pay awaiting a call that now 2 and half weeks later I still have no call from them and they still have done nothing to resolve. 

The company has since charged late fees and interest but said no payment will need to be made until dispute is finalized. Has not responded to any inquiries since XXXX. Has continued to transfer to outside 3rd party fraud company who has none of my information on file. I asked for account to be closed because of all of this. 

This company communication is horrible and Avant financial is completely fraudulent.

Company response to consumer: Closed with explanation