vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
Sequium asset solutions llc is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
AMERIFINANCIAL SOLUTIONS a collection agency has repeatedly attempted to collect a debt on separate occasions for what should be a SINGLE medical bill. Each attempt to collect was posted to my credit report as 4 collection accounts. The amount of each collection was {$330.00}. I have four in total listed on my account with separate post dates. There was only one hospital visit. These people have called and been persistent some even threatening. I attempted to dispute these claims with XXXX XXXX but they keep coming back as accurate. Which only ONE should. But with the collections all being reported to the same company is making my amount owed inaccurate therefor dropping my credit score drastically. Also very concerned about a release of my medical information which violates HIPPA act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
I told the company and the collection agency it was not me I never lived in that state or visit it in was told to contact the other one in despites having it disputed through XXXX  XXXX, XXXX, and XXXX  it is still not resolved in keep being told they are saying I am responsible for 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 2021-01-28 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: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
In 2018, I settled for payment in full on a credit card that went into collections. The company in charge of collecting the payment is Hart Haytand Landeau. They have been slandering my credit every month. They continue to report a new charge off every month - even though I make the agreed upon payment on time. They are not reporting that the account was settled to the credit bureaus. I can not secure any new loans or employment because of their erroneous reporting. I believe they are trying to bully me into paying the amount in full in order to restore my credit and my life. This has significantly impacted my emotional and financial well being. Ive tried calling them multiple times only to be placed on hold for e tended periods of time. I believe this is a t tic they are using with other consumers also.

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX  fraudulently opened a debit/checking account. We reported it to the FTC, filed a police report, and the account was closed. We tried to contact Chex Systems but their system was always not available. We were finally able to contact Chex Systems in XXXX of XXXX, and filed a report with them. In reviewing our personal information with Chex Systems, we discovered that in XXXX of XXXX, XXXX XXXX fraudulently changed the home phone number in our personal information in Chex Systems with the intent of fraud. But when we tried to change our personal phone number back to our correct phone number, Chex Systems would not allow us. Chex Systems said that XXXX XXXX could only change the phone number because they put it on there. 
My question is, XXXX could XXXX XXXX fraudulently change our personal information in Chex Systems without our consent and without us being contacted? And why can we not change our personal information in Chex Systems to our correct phone number when we have reported the incident to the FTC?

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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is forcing all of its members to upgrade to a paid checking account when previous to this they have always been free. They have made it difficult to switch back to a free checking account by being unclear in their initial emails and social media communications about how to switch back to a free account, and the new free account comes with considerably more restrictions and less services than the old free account. This is a predatory hoping that people won't go through the trouble of switching back to the free accounts so they can charge you for what they use to include for free.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI

Complaint narrative:
I received a credit card unsolicited from ACE XXXX Account. I can't call to ask questions because that activates the card, which I believe incurs a {$3.00} fee. I need to know if my social security number has been used without my knowledge to request this card, or if it is just a scam. I don't know how to find out. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX is the name of the company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian : reports that I have bad credit and public records and 'too many inquire. 
In addition they will not raise my credit score.

They continue to keep my credit score low even through I have made all payments on time for the past 5 years to 7 yeARS

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 2021-01-28 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: MD

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Service Bureau, Inc.
State: CA

Complaint narrative:
The debt is not mine, but under my sister who has same first name and last name but different middle name and different birthday from me. 

The debt collector reported the debt under my XXXX  account. 

Multiple phone calls to provide correct information, and the debt collector confirmed that the debt is not mine. In addition the debt was paid by my sister. However, it still kept the debt under my account. I filed 2 dispute through XXXX and the company both times respond to keep the same record on my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST
State: NV

Complaint narrative:
I was XXXX in XXXX, XXXX. I had no contact with anyone outside of XXXX  because I am a Senior Citizen and really have no one anymore. Finally a woman in XXXX asked her husband to look up my old friend on XXXX. I contacted him in XXXX of XXXX and told him I needed help with my bank account and other affairs, We contacted Bank of the West by phone and found out my bank account had been hacked. I told the Bank Manager XXXX XXXX to close my account. She said she would. I got out of XXXX  in XXXX, XXXX and immediately contacted Bank of the West to find out the details of what had happened and found out they had hacked over {$10000.00} from my account through Savings. I asked the teller Feely what could be done. She said they would have to research it. Since then I went into the Bank on multiple occasions trying to find out what to do and they have drug their feet and lied to me and told me accounts have been opened in other banks and it was all lies. I contacted their corporate number and someone named XXXX XXXX contacted me in XXXX and said she was working on it and she has done nothing. I don't know what to do. What is my recourse? They told me I had to file paperwork as soon as I knew what happened but i was incarcerated. They could have sent the paperwork to me in prison when I asked her to close the account, it has an address, but they didn't. They sure threw it in my fact when I went in after I was released though. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: MD

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!

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 2021-01-28 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: VA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report on XX/XX/XXXX then added back on to credit report a year later after it was 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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been disputing with transunion since XXXX. I started to wonder why i never heard from them. I called them the other day XX/XX/XXXX and they told me the reason i have not seen progress with my disputes is because they were thrown away due to the fact the dispute dept thought it came from a 3rd party because I wrote the letter of my dispute too professionally.

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 2021-01-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX credit Open XX/XX/XXXX Amount XXXX Account was deleted from credit report XX/XX/XXXX and then added back onto credit report a year later after it was 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 2021-01-28 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: T.S. Holdings
State: NC

Complaint narrative:
hello, my issue is with IQ Data INT out of XXXX, WA i have sent several letters to them directly starting on XX/XX/XXXX no response i sent out another letter asking them to validate this alleged debt on XX/XX/XXXX 3rd correspondent sent on XX/XX/XXXX last one sent on XX/XX/XXXX and still nothing. this false unverified reporting is stopping me from moving on with my life after college i just completed. they are reporting that i lived in a complex and owe them and it is not true and reporting inaccuratley i have also sent letters to all 3 credit agencies, XXXX, XXXX, XXXX and to have gotten no response month after month. i just dont know what to do at this point to get a fair and accurate repsonse from this place reporting horribly on my credit report. i read somewhere that your agency could help me as a consumer. i hope so please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CarMax, Inc.
State: MD

Complaint narrative:
XXXX XXXX car max -- ran my credit report without authorization. 

On XX/XX/2019, they ask if i wanted to see how much the loan was and if I qualified. 
THey had not looked at my trade in and the sales person simple ran my credit report without my permisssion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: NJ

Complaint narrative:
Ive reached to this company regarding my insurance company paying off this debt. Ive facts them all the information they need to contact the insurance company or reached out to me and they didnt.. Ive called XXXX XXXX XXXX and they didnt have a answer for why they didnt contact the insurance company before sending my name to collections and they didnt have an answer also.. theyre not taking accountability for not talking to insurance company who assured me my bills were paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IL

Complaint narrative:
I received an email on XX/XX/XXXX stating, " XXXX, it's tax time - your XXXX tax information is now available! View your 1098-E Now! '' However, I have been unable to view or obtain my 1098-E from EdFinancial. The email directs you to a link to login to their website. I am banned from their website because I am in a Chapter XXXX bankruptcy - they revoke your online account. 

Contacted EdFinancial and was told that since my interest for XXXX was less than {$500.00}, they do not have to, and will not supply me with a 1098-E. That is true, they do not have to. However in years prior to my bankruptcy this form was provided to me and I had less than {$500.00} interest in those years. The only difference is that I am now in bankruptcy. 

The email says my form is available. EdFinancial needs to supply it to me. They are discriminating against me because of my bankruptcy status. 

I need the form, and I will take this matter as far as it takes to obtain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Date opened : XX/XX/XXXX Status : Charge-off XX/XX/XXXXhas not responded to my mail in dispute in almost 90 days. 

I submitted 2 separate disputes by mail to XX/XX/XXXX in 2 different months on XX/XX/XXXX & XX/XX/XXXX. I have proof of signed signatures of the recipient of my certified mail at XX/XX/XXXX for each month that I sent in a dispute. XX/XX/XXXX clerk continues to say that they have not received my mail. It has been almost 90 days since a response from XX/XX/XXXX 
They usually have 30 days to respond and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: LA

Complaint narrative:
I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of XX/XX/XXXX Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.

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 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was unaware Kohls closed my account I asked If they can reopen it so that I can use it they said I would have to apply again my kohls card was one of my oldest revolving accounts and applying again would not be helpful to building my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/25 I received a response from CFPB stating said company ( Experian ) stated they do not recognize me as their consumer or authorized representative ( reference complaint ID # 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 2021-01-28 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation