vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
SEQUIUM ASSET SOLUTIONS , LLC has fraduently put a alert on my credit. I don't know who this company is nor have I ever spoken with them or received mail correspodence as required by law. 

The debt in question is for {$7600.00} and was placed on XXXX XXXX. After contacting and getting multiple hangups as the company does this to most customers. This company has a history of XXXX, after a quick internet search and reading XXXX reviews and seeing the XXXX XXXXow rating this company has. I have had to activate my XXXX insurance and lock my credit due to this XXXX company. This company is a high XXXX  company and needs to be shut down by the Federal government

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Good afternoon, My name is XXXX XXXX and I am writing in regards to my forbearance period on my home which is occupied by myself and my son. We initially made our forbearance claim at the end of XX/XX/XXXX which went in to effect XX/XX/XXXX. 

Just before XXXX XXXX XXXX - I was hospitalized in XXXX XXXX Maryland and spent several days in a XXXX XXXXXXXX XXXX. For the next several months - I spent the entire time in the hospital essentially unable to communicate with the outside world. As a result of this - I was unable to start my forbearance until as soon as I got out ( late XXXX ). Which is right on the cusp of being able to extend it by 1 5months ( until XXXX XXXX XXXX ). 

I contacted Freedom Mortgage who said despite my extenuating circumstances ( which I offered medical documentation for )- they were unwilling to make any exception to grant the extension. An extension which is legislated by the CARES Act and also monitored by the CFPB. Now - I know that I am like literally on the cusp of not being " eligible '' - however my family is truly one of those desperately affected by the pandemic and an extension of 3 months as allowed by law would be life saving for us. 

Thank you for your consideration and all you do. 

Best, 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 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Due to Covid caused financial hardship, I have been unable to make consistent monthly payments to Synchrony regarding my Amazon.com card. They have already made a ton of money off of interest from me and I would just like to settle the account or reach a better payment agreement as Covid has really hurt my business.

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 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have written letters over the years in regards to this account. I have never lived in the state of Georgia. This account was opened when I was barely 18 and credit was not even a thought. I am also a XXXX male who would not have any interest in obtaining a Victoria Secrets card. Someone has opened two accounts in my name I sent a new letter and identity theft affidavit back on XX/XX/2021 and the item finally got removed Comenity Bank then illegally re-inserted the account back on my credit report afterwards. I have no idea how this account was opened however it's caused a tremendous amount of harm to my credit scores. I went to XXXX Police Department and they stated that I would need to provide additional information for an investigation that leads to an arrest as of today they have not sent me the information requested. This is a serious matter that I would like addressed immediately. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SunTx Capital Partners
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Untimely response
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
I have never been informed of this debt. It is on my credit report as of XX/XX/2020 the amount is ridiculous and the landlord who filed with your office over exaggerated charges that dont exist never went to court for the so called charges I was threatened to be charged never was served any papers of the matter at hand

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$5100.00} StatusOpen. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$500.00} StatusCollection account. {$500.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-09-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$5100.00} StatusOpen. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$500.00} StatusCollection account. {$500.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
After receiving a credit alert I noticed that IC Systems Inc reported a fraudulent account on my credit report, I have had this account verified numerous of times of being fraudulent and it still gets reported to my credit from new collection agencies. I have never received any communication about this debt only IC Systems Inc sent this fraudulent debt that doesnt belong to me directly to credit bureau .

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 2021-09-09 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: NY

Complaint narrative:
i am a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.

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 2021-09-09 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: NY

Complaint narrative:
i am a victim of identity theft. Please see indentity theft report attached. I have consistently disputed fraudulent accounts that are results of identity theft on my credit profiles with all three credit bureaus, and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
From XXXX to present I have complaint and made several attempts to correct the inaccurate information by way of CFPB and the three Credit Bureaus. I have not problem with The Money Source not reporting monthly to the bureaus, however the truth in lending should prevail. 

I've had a mortgage with this company since XX/XX/XXXX, which is current and in very good standing. I did a loan modification in XXXX and in XX/XX/XXXX I filed for a Chapter XXXX which discharged in XX/XX/XXXX. 

During that time my attorney and I was not notified that a reaffirmation was needed, The Money Source has taken a position not to report to the credit bureaus because of this ; however, the way they have chosen to report is the crux of the problem. 

They reported that my loan ( XXXX ) closed in XX/XX/XXXX, which is a total fabrication. I have no problem with them not reporting monthly. However, they conveniently omit I am currently paying this " SO CALLED '', closed mortgage at $ XXXXsince the said closing. 

I want them to tell the truth ... that I am paying as agreed and nothing else ; sense it is their position and prerogative not to report monthly. Instead of fabricating and falsifying damaging lies in the interest of fair reporting I demand that they tell the truth, a statement of " paying as agreed '', is not ask in too much. Because it is the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: AES/PHEAA
State: CA

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I received a number of calls and an email from XXXX today on XXXX, two calls received prior to email. I did not sign up for any such calls or emails, two calls came from XXXX, both rejected. I do not appreciate being harassed, the calls and emails are not wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I intended to purchase {$1000.00} worth of Crypto currency from CoinBase. They took money out of my Bank Account the XXXX dollars but claim they have no record of transfer. Lost {$2000.00} worth of money and assets because they claim to have had a server issue. I gave them transfer ID from my Bank still my account is locked unable to touch assets and money was taken from my Bank. It's one thing to be robbed by a poor person, entirely worse when it's a corporate multi million dollar organization. I don't know what to do CoinBase customer support wont help and they claim to have no record yet they took the money out of my BANK..

Company response to consumer: Closed with monetary relief