vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
On XX/XX/20 I switched from XXXX XXXX to XXXX XXXX. On the XXXX final bill they added {$80.00} account charges for the period of XX/XX/20 - XX/XX/20. Dispute both the unknown charges and the dates for those charges. They also assessed an early termination fee of {$170.00} for XX/XX/20. I do not recall ever signing anything that calls for an early termination fee. XXXX can not dispute the date of cancellation. They had to release the numbers in order for me to switch. 
I tried contacting XXXX on after I received their final bill on XX/XX/20. Was transferred to the billing department and hung up after waiting 60 minutes. Called back and the customer service rep told me I could wait for a collection letter. All attempts at phone contact result in long wait times. 
I started receiving text messages for Sequium Asset Solutions ( XXXX XXXX? ). I texted back asking them to call me, they never did. I received their letter dated XX/XX/20. Went to their website and instead of letting me file a dispute, the site only allowed me to arrange or make payment. I used their contact link to formally file a dispute. I also used an email link to send a duplicate dispute through my email. I have never received an acknowledgement much less an answer. They have since place a collection account on my credit bureaus. I have request them to be removed but again no answer. 

I acknowledge I owe the balance for the phone equipment but I won't pay that until we agree on the total billing. 

Sequium ref # XXXX XXXX acct # XXXX Amount {$650.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
Date : XX/XX/20 Re : reporting fraudulent information XXXX ChexSystems, Early Warning Services I requested to open a bank account on numerous occasions I was denied due to check systems. I have disputed several other accounts that they have removed but are refusing to remove the other two that are not mine also, I contacted them and provided them that I wanted them to investigate and provide proof that I open the account within 30 days or to remove it from my credit file. They did not do that in fact they just sent me a letter stating that the bank verified that the account was mine which is not providing me proof that the account is actually mine anyone can open an account online. What is a victim of attorney theft I did remove the security freeze off the account so I can open an account. I have been disputing these transactions and accounts for over two years now previous to this I was incarcerated in a state penal institution they received mail for me from the correctional institution stating that there was accounts being opened and they were not me they initially placed a security freeze on my account but failed to remove the incorrect fraudulent information obtained in their credit report. 

I tried to work with them on numerous occasions to fix this they do not want to they continue to say that the accounts were verified which that can not be possible if I was in a state panel institution I also sent them a copy of my booking history which shows what days and dates I was in XXXX XXXX. 

Continue to fight with these people about the incorrect and inconsistency in my name and address most of the addresses and names that they have are not mine nor the phone numbers I tried to get them to update that and they failed to do so they keep reporting false fraudulent information and its affecting me I will take legal action if they do not remedy this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2020-08-18 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: OH

Complaint narrative:
This account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


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 2020-08-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is inaccurate and in violation as reporting as Charge-Off with a Balance and no LAST DATE OF ACTIVITY, Please delete ASAP. 


XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Applied for refinance on USBank.com and got assigned to a mortgage loan officer XXXX XXXX NMLS # XXXX. He emailed some refi terms and when I asked for loan details & fee he refused to provide them.

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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
I have friends in XXXX to whom I send a few XXXX dollars per month!! 
I was sending some money with Xoom!! 
They now refuse to transfer money money for me!!! 
They also told me that it is against company policy to give me any information about their refusal to allow me to use their service! 
Isn't this like a loan company refusing to tell why my loan was denied??? 
XXXX XXXX, and XXXX XXXX have also blocked me, stating fears of fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MD

Complaint narrative:
Transunion has numerous inaccuracies on my report with credit card amounts related to totally unfamiliar with account numbers 2 with XXXX XXXX!! 
They have as well addresses never I resided at.only my adult son..What triggered my look at this was it is outrageous to see a score drop nearly XXXX points in a 2 month time for no good reason. How does a score go from XXXX to XXXX with ZERO late payments all paid in full NO new cards opened NO inquiries recently NO out of ratio spending based on debt to allowable spending?? 

I am not clear on what caused this but monthly payments that are not accurate must contribute .NEVER have I been late on any bill and typically pay them early ALWAYS in full If the credit agencies are treating me like this what are they doing to less fortunate who really may have 1 late payment? Is real their mission to ruin people 's credit to jack up any loan rates for lenders? I wish the CFPB would hold them all ( XXXX  too who had duplicate files on my son and it took Months to get sorted if in fact it is ) accountable!. I have no exceeded what the allotted spending to available spending ratio is yet Transunion dropped me XXXX points in1 day for a large transaction FULLY paid off before due date!! They seem to operate with no consequences ever for inaccuracies. 

Phone number goes to XXXX where a guy tries to sell me {$9.00} credit report file so I can see how Transunion messed me up He also tells me paying off my credit account in FULL may droop score FURTHER because they usea goofty algorithim from XXXX Score XXXX! This is totally nuts ...!! Never mind that I don't want outsourced labor LOOKING into my PHI info! MOST fraud comes form overseas no way to enforce anything

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 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are two accounts listed seperatly from Capital one on my credit report, but they have the same account #. I have no knowledge of opening a 2nd account with Capital One in XX/XX/XXXX as one account states. Further, I did have a secured card with Capital One which was opened in XXXX or XXXX. Unfortunately due to financial difficulties I was unable to pay my bill. I contacted Capitol One in late XXXX or early XXXX and asked they close the account due to financial burdon, so late fees and interest would stop accruing. Because it is a secured card, they are able to keep my initial deposit and pay off the balance. 
Instead, it seems they kept the account open and allowed late fees and interest to accrue even during the COVID 19 Pandemic when no one was working. This is a travesty and I did my due diligence to inform them of my situation and they still let charges build up even during coronavirus. Additionally they are listing two accounts on my credit report and I never had two accounts. When asked for verification they provide no proof only " account has been verified '' I do not claim ownership of a 2nd account and want both removed from my credit report as the {$250.00} secured card should have been settled and closed as per my request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My Home Depot card had a 0 balance. I got a letter in the mail ( XXXX. XXXX, 2020 ) stating I owed {$2900.00} and that my account had been closed. My Credit limit is only {$500.00}. I called them that day to file a dispute and fraud charges. I talked with Home Depot card and Citi Bank. First person said they thought it was strange and they would fix it. They were going to reinstate my card and send out a new one, and that it would take a month to be taken care of. I never received the new card. I started getting phone calls that I owed to the Home Depot/Citi bank card. I called again, they sent me to someone from Citi Bank. They said they would take care of it. I told them I did not want another card and to cancel it. I later found out I had another one with the amount of {$120.00}?? I called them back. They told me not to worry about that card and that I did not owe it. I kept checking my account online. They kept changing the amounts back and forth to both accounts. I called them again and they sent me back to the dispute center for Home Depot. The lady asked me what my bank account number was, I told her and she said that is not where they sent the money to. I was told that the {$2900.00} was direct deposited into my account. I told them I never received any money from them. They said it would take about a month for everything to be taken care of. Meanwhile I'm still getting phone calls and the {$2900.00} and a charge is on my credit through XXXX XXXX. To this day they have not taken care of 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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: VA

Complaint narrative:
I am unable to withdraw my advertising revenue from my XXXX account via Google XXXX because my Google Payments profile is locked. 

Furthermore, my websites are linked to this Google payment profile and I can not transfer them. They are stuck not being renewed until Google releases this obscene lock. 

I have tried MULTIPLE times to have it unlocked, provided Google with all the documents that they ask for in their unlock procedure, yet I am still rejected every time. They refuse to tell me why or what I can do to unlock the account. 

This is unfair and deceptive practices. They applied a permanent ban on me for no reason. I believe it is because of my age or ethnicity and their prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX 's crimes ( above ), his additional XXXX  acts include XXXX XXXXXXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional XXXX/XXXX  ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with SYNCHRONY BANK, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, XXXX  Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX v XXXX ( XXXXXXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. Thank you.

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 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX I was unable to obtain phone service due to incorrect information provided by EQUIFAX. Birthdate was incorrect, reported as XX/XX/XXXX, correct date is XX/XX/XXXX. After I provided confirming documents, I received confirmation # XXXX and # XXXX from EQUIFAX stating that my birthdate was corrected on XX/XX/XXXX. I recently applied for credit and discovered that EQUIFAX was still reporting incorrectly. I submitted a new dispute and received confirmation # XXXX dated XX/XX/XXXX with the birthdate unchanged and no explanation as to why their previous corrective statements were false. 
This is OUTRAGIOUS!!! EQUIFAX should be severely censured and fined for this devious action and failure to correct their data. They must be fined until they correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I ordered a pressure cleaner off internet and never recieved item. I requested chargeback and bank denied my request. Bank claim merchant has proof of delivery. But no signed proof of delivery exist and I have. p. o. box that the item was too large to be put in. Futher merchant has reputation for fraud transaction on the internet. Also merchant been promising refund by email but has not done so for month. I provided this info to bank which failed to investigate info. Merchant name is XXXX website XXXX email address is XXXX my bank is bank of America

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/20 I deposited a check from a settlement through the drive up window with a teller. Before the check was deposited I was advised that a hold had to be placed on it until XX/XX/20 and this date is also on my deposit slip in which I was fine with because I feel like it was protocol. I have now received an email stating that the hold is until the XX/XX/20 in which I did not agree too and none of my funds are being made available in the mean time

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TN

Complaint narrative:
1. ) I scheduled an appointment on XX/XX/2020 to open a checking account with USBank. 
2. ) Appointment was set up for XX/XX/2020 via phone call. USBank sent email an a text confirmation stating a bank rep would call me. 
3. )XX/XX/2020 no phone call was received at time of scheduled appointment. I called USBank and spoke to a rep. She was not sure why I didn't receive a call but said she could set up the account with me at that time. 
4. ) I provided all my information along with a {$25.00} EFT deposit from my other bank account to open the USBank account. The rep said I should have an email by Tuesday  with an account number and bank information. 
5. )XX/XX/2020 Never received an email. 
6. ) On XX/XX/2020 I called the 800 number and they still could not find the account. The gentleman said that they are extremely busy and I should hear something in the next few days. 
7. ) On XX/XX/2020 I received a post card in the mail stating an account has been opened with USBank. 
8. ) On XX/XX/2020 I called the 800 number and asked for an account number so I could set up online banking. The rep could not find an account and said that it was still in the approval process. She said I should be contacted by Monday XX/XX/XXXX. 
9. ) It is XX/XX/XXXX and I still have not been contacted or emailed that my account is open.

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 2020-08-18 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: OH

Complaint narrative:
This account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

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 2020-08-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is reporting as a Charge-Off with a Balance, and no Last Date of Activity, which is a violation please delete. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: MD

Complaint narrative:
I contacted Transunion related to a HUGE drop in my credit score for NO REASON.. The outsourced guy in XXXX even sounds SHOCKED score randomly dropped 58 points in 1 day! then tells me if I want copy of my report which shows how they dropped score I need to PAY {$10.00}! To illustrate how arbitrary it is my husband had exact same credit crad bill charge and paid in full NO DROP on his card. Your CFPB guidelines copied here advise consumers to pay in full each month been doing so for 40 years Never this kind of problem ..The drop happened just because of the 1 charge on a bill which with other charges did not exceed at all the 30 % rule you advise ... So why does the Transunion guy tell me BEWARE when the lender soon reports I paid balance in full me the score can drop LOWER?? So here is CFPB guidance for me and others -- does CFPB hold reporting agencies accountable when the parameters are violated? 

" Pay your loans on time, every time. One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If youve missed payments, get current and stay current. 
Dont get close to your credit limit. Credit scoring models look at how close you are to being maxed out, so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You dont need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores. '' I follow all of this..please help me and others from being victims of these reporting agencies

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