vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a notification from a my credit monitoring service that a collection from Sequium Asset Solution has a collection for {$1200.00} for a collection that says that I owe a debt. On XX/XX/XXXX I called the company to asked why they reported this debt and never contacted me about this debt as report XX/XX/XXXX. I have never received a phone call nor written information for me to dispute this debt. This is not my debt I have been with my current cellphone company for 9 years and this debt is not mine and I have called to company to let them know I haven't received anything in written nor by phone of this debt and they put it on my credit report. I called this company any they have a XXXX Florida address where I have never I told them someone has committed fraud and they need to take that account off my credit report because that address I have never lived in that part of Florida ever. The reference number # XXXX and with an account number XXXX I have called twice to give this company my address to send correspondence I spoken to a XXXX XXXX to send and he hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around the time of XX/XX/2019, I noticed a gross amount of fraudulent charges in small amounts on my XXXX XXXX XXXX that added up to approx. XXXX. At the time, when I noticed it, 8 months had passed. After being with Bank America for 20 years with my credit cards, I was surprised that they did not notice the fraudulent activity and out of pattern activity. Also with my card not being present! On top of everything else, my other XXXX credit cards were canceled as well and took away all of my accumulated points!! Along with destroying my credit!! I would hate to say that this is a case of discrimination, but it appears that it is! After numerous attempts have resulted in numerous declines and unacceptable reasonings. I feel discriminated against!! They were presented with a Police Report # XXXX. XXXX XXXX was negligent ( refused ) in acknowledging the documents were received. To be an XXXX American, XXXX XXXX who works tremendously hard to achieve and maintain a great credit rating, I feel XXXX XXXX has single handedly, wrongfully assassinated my credit rating and an defaming scar on my life for the last year and a half. 
I feel I am due restitution financially and my credit restored!!

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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDICAL BUSINESS CONSULTANTS, INC
State: FL

Complaint narrative:
THE AGE OF THE ACCOUNT IS 5 YEARS AND 10 MONTHS, FOR {$700.00} I HAVE BEEN TRYING TO DISPUTE THIS FOR YEARS, BUT NO LUCK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XXXX XXXX, I discovered a negative report ( a late mortgage payment, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX ) on my Experian Credit Card report, which is incorrect. 

I have made all regular monthly mortgage payments to XXXX XXXX XXXX, on time and in full. According to the servicer, they did not initiate or submit the late payment notification that appears on my credit report. Additionally, XXXX verbally acknowledged over the phone that no late payment appears on my mortgage account ; however, XXXX was unable to explain how or why the late payment to them appears on my credit report. And I was advised to submit a written request to the XXXX XXXX XXXX to obtain an answer. 

I submitted a written letter via fax to the XXXX XXXX XXXX  on XXXX XXXX, XXXX. I also initiated a dispute with Experian on XX/XX/XXXX. However, to date I still have not received a response or a resolution of this matter from XXXX XXXX XXXX XXXX XXXX or from Experian. 

In the interim, my credit score dropped 131 points as a result of the late mortgage payment on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 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: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
While look at my credit report on XX/XX/2020, I discovered that there is an inaccuracy with the credit bureaus. I have filed a report with the federal bureau and the company, but it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I lost my money to a housing ad on XXXX. I found a housing the supposed landlord XXXX XXXX XXXX has posted on XXXX and he wanted me to send him a picture of my drivers license, first month security deposit of {$1500.00} ( my two separate XXXX $ ) payments on Venmo and also signed a lease and provided an ownership of certification. He told me to send the payment to his wife ( XXXX XXXX ) and PA which is XXXX XXXX ( venmo handle XXXX ) and I believe he is using a fake XXXX account with XXXX to scam students like me. The XXXX link is under somebody elses facial profile and family ( XXXX XXXX XXXX, who Ive notified ). I found XXXX XXXX ex-wife to confirm on XXXX and she said to take it to the police as he stole hundred of thousands from her before the divorce, and that is what he does for a living. If there is anything the system can do for me to stop people like him, I believe it is worth a try.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Hello. 
My complaint is against USAA Federal Savings Bank. Here is the timeline of what happened. 
XX/XX/XXXX. 
I deposited {$1300.00} by draw from work to USAA VIA on Line App. 
XX/XX/XXXX. 
My truck is broken into. Wallet is stolen with debit card and documents. Break in and fraudulent debit card activity was been reported to USAA. Debit transaction reversed. USAA i also my insurance company and they paid property claim. 
XX/XX/XXXX. 
I receive a call from XXXX, CA XXXX. Detective XXXX had arrested a man with my ID over the weekend. I gave them permission to press charges and shared XXXX PD report number with them. 
XX/XX/XXXX USAA Reverses my initial deposit and debits my account {$1300.00} because of fraudulent activity that had already been reported. I report all information to USSA and they ay they will resolve in 10 days. 
XX/XX/XXXX USAA reports that they find no fraud and I need to go after the criminal, even though they have police reports. I explain that I do not understand how my account deposit is not protected. They tate that electronic deposit are not FDIC insured and it not there responsibility to protect and help with personal fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I co-signed an auto loan in XX/XX/2020 with my son through PNC bank for an auto that we both own jointly but that he drives. He had an account with the bank and it set up auto pay for the loan from his account. Of course, soon after that he lost his job due to XXXX. PNC closed the account that he had set up the auto payment on because he overdrew it by {$70.00} ( his fault ) and didn't pay it back quickly. I have continued to make all the monthly payments on time from my account. ( My son is working again and gives me the money to make the payment. ) The problem is that PNC kept trying to collect a payment from the closed account that was set up for the auto pay, along with insufficient fund charges and late fees. I went to the local branch and an officer said that he should have cancelled the auto pay but admitted that he couldn't because he can't access his closed account. The officer canceled the auto pay but said he did not have the authority to cancel the fees. The branch manager told me the same thing. ( Mostly she does not return my calls! ) We keep receiving threatening letters from PNC and collection agencies threatening to repossess the car. We have also called the auto loan department. ( Same response- we have to apply for a fee waiver that we never receive. ) I called to ask for the regional manager 's phone number but was refused. Once again, PNC has received EVERY payment on time and in full! Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, Experian, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( MyFICO ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX, XXXX and Experian all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays called me to make a payment on my account. The minimal amount was XXXX dollars. I paid XXXX dollars. While I was on the phone with Barclays I saw online my credit card statement was being altered making the minimal to XXXX .Then Barclays charges me XXXX dollars for not making this minimal payment. In addition, Barclays lowers all of my credit lines on all three accounts preventing me form making additional purchases. One account were opened on XX/XX/XXXX with a credit line of XXXX, XXXX dollars. on account ending in XXXX. Barclays lowers to XXXX, XXXX. The second account was opened on XX/XX/XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. Third account opened in XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. This was done to punish me for doing business with them all these years. This was done all at the same time. Barclays charges fees at will. The most shameful part of this whole experience is that Barclays have been doing this to other clients and to their own employees. These employees have told me that they are afraid to speak up for fear of losing their jobs. They go on to say '' We have seen our colleagues purposely change our clients credit card statements just to make them pay more. '' If they like you. They leave you alone. If they don't like you, they punish you.. Lowering these credit lines has maxed out these cards and thus lowering my credit score. As these employees have said. : '' Barclays plays games with our clients credit card statements. You are not the only one who has been hurt by Barclays!!!. '' Please keep in mind that Barclays has been sued before on this. Barclays refuses to correct the credit damage they have caused., Barclays has preventing me to seek additional credit with other creditors because of Barclays negative remarks on my credit file. Barclays has also taken away the benefits associated with these accounts, Barclays refuses to give you bonus points on the purchases I made. Barclays destroyed my Jet Blue Account on account XXXX by taking away my skyway miles and preventing me to purchase air line tickets.,

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 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One main financial : Loan amount was XXXX payments for {$310.00} for 60 months. Apr 35.99 % contract rate 33.29 % I am trying to pay off the vehicle loan and after 8 months of payments my payoff is XXXX. In three months of payments my balance went down {$6.00}. In one payment XXXX cents went to the principal payment. OUT OF XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: MD

Complaint narrative:
A charge off was reported however balance was paid directly to creditor verbal agreement to remove negative trade line information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, transunion, and experian but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I called Bank of America in beginning or mid XX/XX/XXXX to pay off my debt. They promised me that they will clear the debt and the negative remark on my credit report after the debt has been paid but to this date XX/XX/XXXX, which is almost a year later, and the negative remark still on my credit report even though the debt has been paid off! 

Please investigate and help me with this!

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid {$1.00} on XX/XX/2020 to get a fico score and later learned I had been charged an additional {$65.00} over the next 69 days. 

This company deceptively enrolled me in a " free trial '' with a recurring billing and spammed my email account with daily emails. None of these emails provided a statement of charges or any other indication I was being billed repetitively. I only learned about the situation from my credit card statement much later. 

It's also notable that the Experian website does not have a section for customers to see historic billing which is only visible to the Experian phone reps who are difficult to get on the phone. I tried to cancel before and could not get through to anyone.

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 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously requested to dispute a bankruptcy that was reporting on my XXXX, Equifax and XXXX Credit reports! I contacted each of them individually to dispute the errors and requested that the entire public record be deleted from my profile. None of the company 's contacted me directed with the results within 30 days. I later learned requested a copy of my XXXX consumer profile only to learn that they were the one 's who misreported the public record. XXXX was the furnisher of this item and has since deleted it from my profile. The letter that XXXX submitted to the CFPB showed and confirmed that they deleted the bankruptcy item in XX/XX/2020. XXXX failed to advise and notify the credit bureaus of their deletion so the creditors continues to report the bankruptcy in error. The credit bureaus also never verified the public record as being a valid item. I am requesting that everyone DELETES THE INCORRECTLY REPORTING PUBLIC RECORD EFFECTIVE IMMEDITATELY! I have attached a letter from XXXX confirming deletion! I have also contacted emailed XXXX to find out what information they have in their systems and they too confirmed that they are not reporting any type of information for me to any credit agencies or 3rd party consumer agencies. DELETE THE PUBLIC EFFECTIVE IMMEDIATELY! You have already exceeded the original 45 calendar and business days allotted via the FCRA guidelines for verification and investigation of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TX

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
We had a home equity line of credit of {$25000.00} with our local bank, formerly XXXX XXXX XXXX / XXXX XXXX, now XXXX XXXX XXXX with interest payments automatically withdrawn from our checking account. Our bank has been through many mergers over the years and it appears they forgot about us. Not only did they forget to withdraw the {$7.00} interest payment, they also neglected to inform us a payment was due and that the line had matured. We never had a delinquency during the life of the loan.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. 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