vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
In the beginning of XX/XX/XXXX in my XXXX report I did find adverse account. 
The collection company name : Sequium Asset Solutions Inc., # XXXX ( SAS ), located at : XXXX XXXX XXXX, XXXX, GAXXXX, ph. XXXX Collection was placed XX/XX/XXXX, and balance is {$120.00} Original Creditor : XXXX XXXX. 
After my conversation with SAS I got information that the debt was opened under my name and SSN but with address in Texas : XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX I never ever lived in Texas and did not use any service from companies listed above. 
Regards, 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 2021-02-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to get Equifax to verify 3 collections on my credit report. I'm simply asking Equifax for the past 6 months to mail me the information used to verify these collections yet Equifax has failed to do so.

XXXX  and XXXX  has removed all 3 collections off of my credit report for the simple fact that THESE MEDICAL BILLS WERE NEVER MINES. Please DO NOT continue to UPDATE my disputes. I even provided a letter where XXXX XXXX XXXX stating " This does not mean that the dispute is valid '' yet only Equifax has kept it on my credit report.

Also the debt is 7 YEARS old and should be REMOVED for my credit report.

XXXX XXXX XXXX Account # ending in XXXX Account # ending in XXXX Account # ending in XXXX Plus certified letters I sent them to valid the debt and wasn't able to do so ...

XX/XX/2020 XX/XX/2020 XX/XX/2020 Please provide the information you used to VERIFY these collections are mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: MI

Complaint narrative:
XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX  has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected 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
Consumer complaint received 2021-02-18 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: MI

Complaint narrative:
XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX  has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Good morning. I deposited a payroll check into my Wells Fargo using the ATM deposit service on XXXX XXXX and received a receipt stating that the funds would be available on XXXX XXXX. The check was in the amount of {$3800.00} with {$400.00} made available immediately. 

This morning ( XXXX XXXX ), I checked my account to find that Wells Fargo has now placed a 7-day hold on my payroll check. I called the customer service number and I was told that the check could not be verified and the hold would be placed until the funds could be verified. I asked multiple customer service representatives to call the XXXX number on the front of the check to perform the verification of funds and the Wells Fargo representatives stated that they could not do this. 

The verification number is provided for this exact purpose and the check was from my employer XXXX via XXXX XXXX XXXX and the check was drawn from XXXX XXXX XXXX, another large financial institution. My employer did make a {$400.00} direct deposit on XXXX XXXX to the same Wells Fargo account. I brought this to their attention in the hopes that they would make the effort to verify the check and release my funds but they refused. 

I am not unable to access any of my funds due to this hold. I am unable to pay bills, buy groceries, and provide necessary resources for my family for a week. Based on the documented information that I received on my deposit receipt, I scheduled payments with multiple creditors based on the funds availability date of XXXX XXXX. These payments will be returned as non-sufficient funds by Wells Fargo due to the hold placed on my payroll check. 

In my opinion, this is fraudulent activity and practices by Wells Fargo. Information was provided at the time of the deposit, payments were scheduled, they place a hold on the deposited check, and then I incur NSF fees which is profit for Wells Fargo. In the meantime, I am unable to use my hard earned funds. 

A representative at Wells Fargo could easily pick the phone and verify this check. It was explained to me that the check did not pass their automatic verification. I request a manual verification because of the hold and they refused without a valid explanation. 

I am requesting that someone from Wells Fargo answer for this procedure and provide a valid justification for a 7-day hold on a payroll check from XXXX that is drawn from XXXX XXXX XXXX. 

A copy of the ATM deposit receipt is attached. It shows the funds availability date and also an image of the deposited check plainly showing the check verification phone number.

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 2021-02-18 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: TekCollect Inc.
State: NY

Complaint narrative:
TEK Collect Inc is reporting someone else 's info on my credit. Upon reaching out to TEK collect they informed me that someone received emergency room services under my social. They provided me the person 's name but I dont have any affililation with this individual. This is a fraudulent account for which I shoudnt be held liable. Please remove this collection from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
AFNI is listed as a collection account on my credit file for the amount of {$1000.00}. I NEVER received any written notifications or calls from this company advising of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
NCA is listed on my credit file as a collection account in the amount of {$510.00}. I NEVER received any written notifications or calls about the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a small loan online, it ended up being fraudulent. They asked for my income date and apartment rent. I received a call at work from my landlord saying I havent paid and I reversed my payments from XX/XX/XXXX up until XX/XX/XXXX. I did not authorize these claims. I called the bank and told them the situation. When I spoke to BOA, they went back, canceled and return the money back to my landlord/merchant on XX/XX/XXXX. I am now in debt with the bank because of this fraudulent activity and now in jeopardy of losing my housing and my other expenses needed for daily life.

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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BTH Management
State: MI

Complaint narrative:
I had a debit with the original creditor that was expunged to the bankruptcy they sold the status of private company who intern said that my bankruptcy does not matter that that I owe them the money they purchased it now I owe them to XXXX dollars plus the collection fees of {$5000.00} are very rude very negative went off my XX/XX/XXXXfiling of a chapter XXXX  instead of my filing of a chapter XXXX which included the stat him contact to the bankruptcy attorney they contacted them let them know that it was expunged from the bankruptcy courts they told him it doesnt matter that I owe them the XXXX  money pay or they were going to sue me garnish my wages and put me in jail I am over this Im over the abuse of tactics they are emailing me and my husband my friends my family calling my husband my friends my family my children my minor child

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In or around XX/XX/2021, Capital One placed a hard inquiry on my credit report. I did not authorize such an inquiry, nor did I apply for any account with Capital One. Further, I have no existing accounts with Capital One. I called Capital One 's fraud department on XX/XX/2021, and they could not locate any record of me applying for an account or having an account either. Yet, they could not explain why they conducted a hard credit pull. 

I believe I may have been a victim of ID theft as I hard a hard credit pull from another financial institution made on the same day, but their fraud department proactively called me to confirm whether I had applied for a credit card with them ( which I had not ). That company then immediately cancelled the application, and I also put a fraud alert on my credit report with all 3 major credit bureaus. 

I am frustrated that Capital One took no action to note that I did not authorize their credit pull in order to avoid any fraudulent accounts being opened in my name, nor would they further investigate the matter to understand why they made the hard credit pull without my authorization, potentially in violation of the FCRA. I am also afraid that Capital One will allow a fraudulent account to be opened in my name given their inaction thus far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a savings account at Citibank because they were offering XXXX XXXX miles for opening a new account. I deposited {$50000.00} on XXXX XXXX. It is now XX/XX/2021 and I still have not received the miles that were due to be credited to my AA account in XXXX. I have called and messaged them repeatedly. In XXXX when I spoke with them they were going to open a dispute. Last month they were working on it and needed me to resend my frequent flyer number and yesterday when I called again they are opening a new dispute?? This is ridiculous.

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 2021-02-18 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-02-18 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have called, mail and honestly cry alot dealing with this company called Santander. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that Santander sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the Santander Multi State settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have several accounts with this company MDS Medical Revenue Service DBA Medical Data Systems. I asked for validation of debt that they sent for each account i have with them and they only decided to not service one account which i am having a very hard time understanding why? 
I refuse to be belittled and talked to like i have no understanding. 
for the record the accounts that they seem to have is : XXXX XXXX XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX XXXX XXXX ( NO VALIDATION OF DEBT ) Acct # XXXX XXXX XXXX XXXX ( NO VALIDATION of DEBT ) Acct # 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 2021-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank doesn't communicate properly when a CD is maturing. They have a complicated way of communication that involves logging in the account and retrieving messages from the INBOX located within the online account. The customer doesn't get any option after 10 days of the grace period, and has to pay penalties if he/she wants her money available for withdrawal.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards he was accumulating. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for all the cards as well.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX I did a settlement with these people and every month I get a delinquent notice I sent the paperwork that the court had discharged that and I to them and also the three credit bureau of nothing happens except each month my wife and I get a delinquent notice

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 2021-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Issues 1 ) Lender XXXX XXXX  was not truthful about how payments would be structured. I was told I would have one loan approval for 4 years that I could take disbursements of and pay as I go. The fact was each disbursement was a new loan with a new payment making me have 3 different loans and 3 different payments which was unmanageable. Due to this, we did a refinance to pay off loans and go with a better student loan lender. 

2 ) Servicer First Mark lost one of the payoff checks for over {$8000.00} and refused to provide a direct contact to work with to find my money. They say their accounting department does not have phones? It took multiple calls and contacting the mortgage company to prove the check had been cashed to resolve the issue. 

3 ) I have an over {$1400.00} overpayment due to me that they can not tell me where it is. I have requested to know to whom, and where the payment was sent. Again, they will not provide a direct contact to address the issue of my missing money. After the 3rd call and third request for records and 3rd time I have been told my account has been " noted '' I was told they check was mailed to XXXX XXXX lending but still no address, or info if the check has been cashed as I have requested. Again I am not given a direct contact, they say they will call back and never do so I must recall the main number and get a new person each time. XXXX XXXX has not receivd the check and needs to know the address it was mailed to and first mark refused to provide this information. Mean while I am left with MY {$1400.00} just missing as this is my money and should have been mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have called, mail and honestly cry alot dealing with this company called XXXX. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that XXXX sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the XXXX XXXX XXXX settlement.

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 2021-02-18 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: TX

Complaint narrative:
I receive a report from Experian XXXX on XX/XX/2021 the dispute for Method of Verification/ Data Furnisher was not given for Chapter XXXX Bankruptcy.

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