vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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: NC

Complaint narrative:
On or about XX/XX/XXXX, Sequim Asset Solutions added a collection account to my credit report naming the original creditor as XXXX XXXX XXXX XXXX and date as XX/XX/XXXX. The amount is {$80.00}. I contacted Sequium to tell them this is not my debt. I have not had XXXX XXXX XXXX since XXXX and they said this eminated from an account from XXXX of XXXX. They did not provide any written notification to me although they claim this debt is from XXXX XXXX XXXX XXXX and I am account holder. I have not had XXXX XXXX XXXX XXXX since XXXX. I do have their internet service and t.v. but that was obtained in XXXX of XXXX when we moved to XXXX NC. We also switched to XXXX XXXX XXXX XXXX in XXXX of XXXX but that is in my husband 's name. Sequium did not have my telephone number, address or email address. This account belongs to my daughter and they refuse to provide ANY proof that it is mine. I paid the {$80.00} because my daughter is a single parent and asked them to again remove from my credit reports and although they have NO PROOF THIS IS MY ACCOUNT, they still refuse to remove the account and stated it will be on there up to SEVEN years and they can't remove it although I have had this happen to me before on the collection agency involved promptly removed the item. I ask that Sequium either provide written proof this is my debt ( their failure to do so has stopped my right to dispute within the allotted 30 days ) or remove this immediately. My daughter is responsible for this debt and although they named me as the account holder, they had no information about me except my name. This is outrageous and must be rectified!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TranUnion and XXXX  are reporting an obsolete account that is closed and origination date of XX/XX/2005, XXXX XXXX, account no. XXXX. Both organizations have the authority to remove the old account that is too old to be on my credit report. I am asking for the removal of the fourteen year old account. I have tried to resolve the issue and baffled as to why the old account hasnt been deleted.

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 2019-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-06-04 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: SC

Complaint narrative:
I filed an online dispute with Equifax, and when i was emailed that the dispute was complete, i went to the Equifax site to view the results, I was unable to access my information. I was provided a phone number, and when i called in to speak to a live rep, she had trouble understanding what I was asking her. She then asked me a series of questions and told me that she was UNABLE to verify my identity and that i needed to provide Equifax with further erification of my personal information via fax. I found this to be odd since the information i had given her i knew was correct, so i have no idea who i may have been speaking with about my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX instigated a foreclosure action on XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX ( copy of letter included here ) because they, as trustee, are not authorized to commence foreclosure proceedings. I also attached a copy of their own published booklet which states that the Trustee does not foreclose - but here they are doing exactly what they say they can't do. I have received no response to my letter.

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 2019-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: WA

Complaint narrative:
OnXX/XX/2019IreceivedaTotalandPermanentXXXXdischargefromXXXX.IntheletteritstatedthatmyloanholderwouldtransfertheaccounttoXXXX.

IcontactedXXXXontwooccasionsincludinganemailandtheystatedthattheysentarequesttotransfermystudentloanaccountswithXXXXtothem.

IcalledXXXXtwiceandtheystatedthattheyhavenotreceivedtherequest.
XXXXcontinuestoreportmystudentloansincludinginterestowedwhichhascausedmycreditscoretogodownover7pointsinthefirstquarterwhenreportedinXX/XX/2019.


PleasefindattachedcorrespondencefromXXXXandXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i had been search multiple sites to rent a house. One of the websites was XXXX XXXX XXXX which they gave me the code to enter the house located at XXXX XXXX XXXX XXXX, FL XXXX . I was able to go to the house, enter the code on the padlock so was able to view it without supervision. Shortly after I receive a call on my cell from XXXX XXXX who introduced himself as the owner of the property and had contracted this company to list his home for him. He stressed the fact he was out of town on business and since he was to able to be here, he contracted the company to help him rent the house. We then basically did an interview over the phone he was asking me about myself, my family, what i do for work, etc. I started to feel comfortable with him as he even prayed and got religious with me. He said he would help a single mother out by waiving the application fee, since my need to find a roof for my family was urgent, he would just have his attorney send me the lease, i would review it and sign it and send it back. Everything looked to be legit. He told me so he can get the water and electricity on for me right away, since there was alot of applicant 's looking at the house to send him the {$900.00} deposit. We used Zelle which I was not doutful becuase it was being done through my bank so silly me i get his Zelle info, and send the deposit. Then he asked me to send the first month 's rent as well later that day. So i sent only {$500.00} and the other {$400.00} i told him would do the next day which was XX/XX/XXXX after i went by the house and say the electricity was on. So i go by and i see there was, so i sent him the other amount for a total of {$1800.00}. Sow move in day comes and he doesn't answer his phone so I start to panic starting to believe i was scammed. He finally that evening told me since i disrespected him by leaving those messages he was not going to rent the home to me and would refund all my money. I dont get the refund, so i decided to file a claim through my bank. Which XXXX   denyed becuase i authorized the transaction 's. KNOW, here I'am out of {$1800.00} and nobody can do nothing. I have tried to file police report, but they wouldn't help me, my bank wont help me, i dont know what else i can do. I'am happy to provide any addtl neccessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I had a lease taken out from American Honda Finance Account # XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
I have been working with Radiant Cash for approximately two weeks. They initially approved of a small loan for {$400.00}, but when it was sent to my email address, it stated the payment plan and that it was approved only for {$300.00}. I then called and spoke with XXXX who said he would send to the underwriting dept of the discrepancy and that I needed to wait for an email from the underwriting dept as to when they would be depositing my money into my checking act. I called the next day, and spoke with an foreign woman asking about the email. she said I needed to e-sign the agreement, then I would get the email from the Underwriting dept. So I e-signed it on XXXX. On XXXX I called again, and the foreign sounding man said that " Unfortunately, our company has run out of funds. We will put your account on hold until the underwriters tell us to move forward with the funds. We will not take anything out of your checking account until then. '' I will be cancelling again with them as I tried to take out a loan with them on XX/XX/18 but it fell through and I withdrew my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: GA

Complaint narrative:
I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX   XXXX, XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. PORTFOLIO RECOVERY ASSOCIATE CLAIMING THAT ORIGINAL CREDITOR : IS XXXX XXXX XXXX XXXX. I HAVE NEVER HAD AN ACOOUNT OR NOTHING WITH XXXX XXXX XXXX XXXX I DO NOT THINK IT RIGHT FOR A COLLECTION COMPANY PUT THIS FALSE INFORMATION ON YOUR CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: CA

Complaint narrative:
I am having great difficulty attempting to negotiate with Paypal credit they keep calling my phone relentlessly. I have explained to them that I had to leave my previous occupation to care for my mother. I am currently working a part time ( 15 hours a week ) minimum wage job and can not afford to pay balance they are requesting. They have refused to negotiate my debt and refused to honor a payment planned that was offered.

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 2019-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
I sent several letters to Hunter Warfield trying to find out what my balance is since XX/XX/2019 and they never responded to me. I as to make a settlement offer and they won't respond. I always have the Post Office to send it certified because they have been holding unto my checks until the next month. I sent a check back on XX/XX/XXXX it was cashed in XXXX and I sent another check for {$330.00} on XX/XX/XXXX and they still have not cashed my check. I tried contacting them to find out what my balance is and I get no response from the person that I need to speak with. As of today, XX/XX/XXXX, I am waiting for my check to clear my bank and it hasn't. I am trying my best to pay this account off, but I am getting bad results with speaking to the company and with finding out what my balance is. The letter that I sent with my XXXX payment, they responded and I am being charged {$100.00} interest with late fees and sending my checks in every month on time. Can you please assist me with these issues I am having with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: GA

Complaint narrative:
I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. lnquiries : XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, 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 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have an account with PayPal and there was an amount of {$120.00} sent to someone named XXXX XXXX at XXXX. I did not send this to him, nor do I know who he is. I tried to dispute this with PayPal, but the request was denied and I did not get a refund. There was a service charge involved of {$4.00} so I am wanting my refund of {$120.00}. This happened on XX/XX/2019. I have since contacted my bank and filed a dispute through ACH. Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
Received repetiious phone calls that were intended to annoy, abuse and harass.Threats Threat to do things that can not be legally done ( serious ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item below to be incorrect. 

1. Account was closed and transferred to another provider paid in full XXXX XXXX Account Number : XXXX This account was on an agreed payment plan after being closed and transferred to another wireless provider by me. This item was paid in full and not a charge off or collection as per a pre-arranged payment agreement with the creditor. 

Please remove the inaccurate charge-off /collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
To Whom It May Concern : I've had a Free ( no monthly fee ) Business Checking Account with Wells Fargo back for approximately ten ( 10 ) years to date. On XX/XX/2019, Wells Fargo Bank charged me a monthly service fee of {$14.00}. I called and spoke with a Wells Fargo Bank representative and Wells Fargo Supervisor regarding my account being serviced a monthly fee. I was informed by the supervisor that Wells Fargo Bank had changed their checking account requirements. The new checking account requirements are different than the requirements that I agreed to when I signed a checking account agreement with Wells Fargo Bank. I did not agree to this monthly service fee and I requested that my Wells Fargo Bank Business checking account be returned to it's original account requirements and not be charged a monthly assessment. Please investigate. 

Sincerely,

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 2019-06-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2019, I applied for credit with XXXX XXXX. This application was denied on the basis that I am " Deceased '', as reported by the Experian Credit Bureau. 

I am still very much alive. 

Experian is reporting my death to everyone right now. 

Experian has no telephone number to report this to, and no e-mail ability either. 

I have written to them but they have not responded.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting some recent lates I should not have on my accounts. I switched over and wasn't able to make any payments at this time. I tried to call several times but my calls were never answered. The accounts are # XXXX and # XXXX and I would like some of the more recent lates removed. These should not be on my account as I was switched over.

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 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS

Company response to consumer: Closed with explanation