vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequimm Asset Solutions also know as Focus Receivables Management is posting a paid collection on my credit profile with the major reporting bureau this is the 3rd attempt at having this paid collection deleted from my credit profile the company is falsely reporting this debt and is in violation of my rights granted to me under the Fair Debt Collections Practices Act, this account was turned over to this collection agency whom i am not under contract with nor have i ever been under contract with nor was i ever notified of the attempt to collect on this debt upon seeing the debt posting to my credit profile i contacted the company and settled the debt i was never notified that this debt was due prior to posting nor did i ever have a chance to validate and dispute this debt. which the FDCPA grants me the rights to do those things before they can post to the major reporting agencies .by continuing to post this Paid debt to my credit profile is illegal, deceptive, and abusive i was never notified of this attempt to collect this debt. The FDCPA states that within 5 days of attempting to collect this debt i should have received a validation letter, Section 809 Stats that legally i should have been notified of the debt and then had i chance to dispute this debt which i was never granted, the company listed are in violation and if the collection is not removed from my report farther legal action will be taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2014 XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.

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 2020-09-21 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. SinceXX/XX/2014, I have been trying to get this account removed off of my credit.

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 2020-09-21 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: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/2020 - Citibank billed my account a XXXX Annual Fee. 

XX/XX/2020 - Called Citibank to cancel card, if cancelled on this date would have received full refund of annual fee. When I called, I was told by Citi representative that if I did not cancel I would receive a one time  XXXX USD credit to my account on the XXXX or XXXX billing statement. 

XX/XX/XXXX XXXX Called Citibank to inquire about not receiving credit. This agent told me that previous agent was wrong, that I would not get the credit until the following year. I then asked to close the account and get full refund of annual fee. He said no. I then asked to close the account and prorate the annual fee. He said no. I then said I would like to dispute the annual fee to get a Supervisor to review case. He said no. I then asked for contact to escalate the problem. He was not helpful. He would not transfer me to a Supervisor to get additional information. 

XX/XX/XXXX XXXX Researched Citi contacts. Filed dispute via email with Citibank office of XXXX XXXX, Citi Global customer solutions office. No response as of XXXX XX/XX/2020. 

XX/XX/XXXX XXXX Filled out an online customer satisfaction survey that was emailed to me by Citibank . 

XX/XX/XXXX XXXX Received a generic email from Citibank I assume as a result of the survey sent out on XX/XX/XXXX. As of XXXX no response. 

I would like my account credited XXXX USD ( half of the annual fee ) as I was promised by the first Citibank Rep to keep my account open. 

Thank you 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 2020-09-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the
dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

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 2020-09-21 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I made a purchase with a XXXX on XX/XX/20. I used Paypal for safety. After the online transaction I suddenly noticed that the original cost differed form Paypal 's payment and that the receiver of my money was not the XXXX store, but a " XXXX ''? I immediately attempted to contact the merchant repeatedly, but could not. Therefore, I attempted to dispute the purchase with Paypal 's resolution center, but could not since this purchase was not listed on my activity page of Paypal. 
I was afraid of sever monetary loss from my bank account so I immediately cancelled the card and reported the suspected fraud the my bank " XXXX '', which the card is from. The bank investigated and denied the claim, and informed me that any documentation involved with this determination would be available. I requested it and have received none. 
I contacted them and reopened another claim after sending them my Paypal statement, and the merchant 's invoice hoping this would help since they did not get it from me on the first claim. However, this second claim was denied. I have removed close to a XXXX  XXXX dollars from this account since to be safe. The current invoice stated that the order is " processing '' and I have never received any item from this order. 
This loss is Paypal 's fault and I should not have needed to get my bank involve, had Paypal provide the service they are used for. They refuse to help me since I needed to get my bank involved as a last resort. 
I guess I have to except the loss, never use Paypal and find a new bank. Paypal should be the one being investigated for their inadequate operations. Isn't Paypal used to prevent these occurrences? Not walk away from a loss involving someone else 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUMMIT FUNDING, INC.
State: AZ

Complaint narrative:
Repeated phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT #  XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I tried activating my card but my bday doesnt match. Tried fixing the date but XXXX isnt taking walk ins so cant get a new Id until XX/XX/2020

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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account.

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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a few different reference numbers from my requests. XXXX I was supposed to be hearing back from a regional manager XXXX with reference number XXXX. It has been a longer time and I haven't heard back. I called US Bank numerous times tonight. Multiple times before they even authenticated my account they said they could not help. 

There are parking lot lights out at the XXXX location. I have XXXX and it is hard to get around the at night to complete my banking. 

I called in tonight once and was told I was in the wrong department. I was transferred to another building and after the agent authenticated the agent disconnected the call. I called back and was told I would get a supervisor which went to voicemail. I called again and was again transferred to a supervisor by voicemail. The next time I called the representative said she could not help. SO I have no other choice but to go through the CFPB.

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 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
At first, the mortgage representative said i was not approved. Then the bank had me sign pre-approval documents through docusign. 
Upon questioning him, he said has going to " cancel '' it. 

Other reps said I was approved and received the loan papers and pre-approval letter. They have been extremely unhelpful

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 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have tried in the past with Experion and I see that it has XXXX came back up recently multiple people are using my identity for different reasons I dont know what else to do I will place it in some type of mental game called a XXXX XXXX. This performed by XXXX XXXX XXXX star sororities and fraternities and other organizations to be scared into letting other people use me and my identity I dont know what else to do really I need somebody to help me. I have lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past two years and I also have a pass police report of me filing charges on my oldest sister for identity false pretense but they did not gone proceed with the charges I did not get any answers or anything they are within the same organization and they turned on me. I will contact the local authorities again and the FBI this time doing a fingerprint identity analysis I have never worked at XXXX I think somebody had put my name on some type of pay out a cashiers check or something or insurance fraud a long time ago and they are drawing this money. I have my membership ID number from Experion I also I just booted the address is in the false names that was given I am not XXXX I do not know any other addresses except for three of them and the rest of them are fraudulent and I do want to pursue with the charges on every last one.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: OK

Complaint narrative:
When attempting to login to my GoProgram card to check the balance of my Oklahoma Unemployment Benefits I was unable to login and was notified that my account had been suspended due to suspected fraudulent activity and was directed to call the 800 number on the back of the card. I have attempted to reach somebody at the 800 number 4 times thus far and wait on hold for 2 - 2.5 hours and then I am disconnected by their phone system. I am still unable to access my benefits and haven't been able to purchase  food for my family on XX/XX/XXXX and I am afraid I will be unable to on XX/XX/XXXX.

Company response to consumer: Closed with explanation