vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life! 

Yet in there response to you, complaint number XXXX, instead of XXXX XXXX  like it says in the credit report, they now refer to XXXX, instead of XXXX They have now changed there story!! Regardless, I have never been late to XXXX!!! In fact, I still have accounts with XXXX, and all my bills are current!!! Why would they give me service, if they claim I owe them money on some other account!? 

I have never received any bills from the account they say I owe. In there response to you, they said they will send the response from their client " to the address on file ''. I will never see it because they do not have my address, and like I said I never got any bill related to this! Then she says we can call her, which we have tried to do in the past, but she does not respond!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have been disputing this issue with XXXX since XXXX. I have had a mortgage on my home since XXXX. SPS ( Select Portfolio Servicing ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, XXXX deleted SPS off of my credit report. SPS was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with SPS and they assured me that they are reporting to XXXX every month. XXXX XXXX XXXX has it right, but for some reason XXXX can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent XXXX  a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need XXXX to fix this one first. I am attaching my XX/XX/XXXX statement from SPS as proof that I have a mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

CAPITAL ONE Inquiry : XX/XX/XXXX Auto financing CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Paypal closed my account for no reason and they are holding the money that I made legally for no reason. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. 

I understand PayPals need for holding funds for credit card chargeback purposes, however a review of my account history will reveal 0 chargeback rate as well as a very high customer-satisfaction rate. I feel that any reasonable person would conclude that holding my entire balance for 180 days is excessive and may be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to leaving a balance of {$1000.00} for credit card chargeback purposes for the duration of the 180 days. I feel that this is a fair resolution while still leaving PayPal with the means to charge back any future credit card disputes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: DE

Complaint narrative:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, 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 2021-06-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 


15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. 


I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AES/PHEAA
State: FL

Complaint narrative:
FEDLOAN Account Number : XXXX {$110000.00} I have had my rights violated in regards to the Validation of Debt and Identity theft where my information was provided to the governing bodies of XXXX  XXXX XXXX  XXXX XXXX. 

As a consumer by law this account must be deleted immediately. 15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose of Consumer Reports ( a ) In general, Subject to subsection ( c ). any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing this issue with Equifax since XXXX. I have had a mortgage on my home since XXXX. XXXX  ( XXXX XXXX XXXX ) is my current mortgage holder and has been for the last several years. For some reason in XXXX, Equifax deleted XXXX off of my credit report. XXXX was finally added back on this year, but a few weeks later I received a message from my credit monitoring company that it had been deleted again. This is my third complaint to CFPB. Im not sure what your purpose is at this point. I have checked with XXXX  and they assured me that they are reporting to Equifax every month. XXXX  and XXXX  has it right, but for some reason Equifax can not get it right. This is damaging my credit score as it is lowering my credit age and my credit mix is not accurate. Also, this mortgage has never been late so I want the benefit of all my on time payments for the almost 15 years. I have sent Equifax a total of 5 letters and they still have not address why they are not reporting my mortgage. At this point I am ready to hire an attorney because the level of incompetence is ridiculous. There are several other items that are incorrect on my credit report but I need Equifax to fix this one first. I am attaching my XX/XX/XXXX statement from XXXX as proof that I have a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: WA

Complaint narrative:
In XXXX of 2019 I contacted XXXX XXXX from XXXX XXXX XXXX regarding a collection with XXXX XXXX XXXX. I scheduled automatic payments through my checking account every 2 weeks starting XX/XX/2019 until debt was paid in XX/XX/2019 to the total of {$1500.00} XXXX XXXX paid every 2 weeks ). Last month ERC came up on my credit report for the same company XXXX XXXX XXXX for the amount of {$1500.00} this debt has been paid with the original creditor and I have my statements and bank info to show it has been paid. I would like ERC to remove that derogatory collections on my credit report because it is showing up as a new collection when it is not. This is poor practice of collecting a debt that is finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
On XXXX, at or around XXXX XXXX MST, XXXX XXXX, On behalf of Lewis , McDonnell & Associates, XXXX XXXX XXXX XXXX, XXXX CA, XXXX XXXX, Initiated a call to my Sister to collect on a debt that was Charged Off as of XXXX. 

She Misrepresented herself and stated that they had been trying to reach my sister and I to collect on this debt. My sister had cosigned for me and that is how they were able to reach her. 

They then threatened her, and stated that they were currently in talks via XXXX with the courthouse and were actively attempting to serve my sister and I subpoenas to appear in court for this Debt. 
They misinformed my sister and I that they would Garnish our wages, Take our stimulus and even put a Lien on my sisters house for the amount. 
The Legal Assistant who spoke with me, Informed me that someone had already reached my sister and was in the works of making a deal to forgive the debt. 

MY sister paid an amount of {$2300.00} to Lewis, Mcdonnell, and Associates after they sent her a collection notice with the amount owed. 
The letter also failed to comply with Federal Law when it failed to include that this was an old Debt ( Older than 4 years in Texas ) and as such, We the consumers, Are not legally obligated to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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:
These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
Hello, I have an account with Gemini XXXXLC crypto exchange. 

With no reason, I am not able to access my account with money worth of {$40000.00}. 

I have tried to contact XXXX without any response. 

Please can you help? 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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:
Last year I discovered a false account with XXXX now owned by XXXX XXXX XXXX on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX now owned by XXXX XXXX XXXX on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-06-04 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: KY

Complaint narrative:
I never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. 

XXXX XXXX Inquiry : XX/XX/XXXX Auto financing XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
This complaint is about Ocwen Loan Servicing fraudulently reporting late payments on my credit report. After my loan was transferred from Ocwen Loan Serving to PHH mortgage late payments showed up on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been disputing these items for 9 months with Ocwen Loan Servicing and they have ignored all of my request and have failed to provide validation of these late payments.

Loan # 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 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The first inquiry in question was apparently made by JPMCB CARD on XX/XX/2018 and I have no recollection of doing any business with JPMCB CARD. I contacted JPMCB CARD, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: NE

Complaint narrative:
I have two transactions from my checking account going to a roarmoney account that I do not have nor have I ever heard of until today. After doing some digging it turns out it went to a bank account app known as moneylion. I have a charge onXXXX for XXXX dollars and a charge one XX/XX/2021 for XXXX dollars as well as 2 overdraft fees of XXXX dollars each. I'm writing this to get help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FL

Complaint narrative:
These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation