vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 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:
On XX/XX/2021, a Collection Account came up on my credit report saying I owe XXXX XXXX {$1700.00} for an account I have no affliation with. I have a personal XXXX account which I have never missed a payment on. This account was attached to my credit report by Squium Asset Solutions. I have looked up the reviews for this XXXXection Agency and this type of scenerio is happening to a lot of people. They put a fraudulent charge to your credit with hopes you will call them to pay it. This is slowly ruining my credit score. I have heard if you call them directly, they will somehow make the situation worse for you. I have filed disputes with all 3 credit bureaus ' but have not heard the results yet. Please help me resolve this and have my credit restored to which was near perfect prior to this situation. I'd like to bring down Sequium in the process and will do whatever it takes to help with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: MD

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been disputing this account a couple of times since this is causing too much damage on my credit report. Account is showing Open when it fact it was paid years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 PENNSYLVANIA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor 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 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America had been duped into modifying my name, adding an email address and phone number from mid XXXX through XXXX by a criminal in California. A place that We Ive never lived. All this done without notifying me. It took many phone calls and over 20 hours on the phone, in addition to 2 1/2 hours at the bank to restore my identity with the bank. 
All security measures, including a verbal password was put in place to thwart further attempts by the thief. 
On XX/XX/XXXX the thief, through a telephone agent was able to push through a transaction. Despite the verbal password and telephone verifications, this occurred nonetheless.

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 monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I was paid {$20000.00} from my client for my services through PayPal. PayPal limited my account from me withdrawing my funds and doing a instant transfer. 

They charged me {$710.00} for receiving my payment from my client and now they are holding my funds XXXX  stating that I cant receive my remaining funds in my PayPal account till 180 days and that they are closing my account down. 


This was so wrong.. They decided to do me this way during the holidays so I had to go without and still not able to withdraw my funds after doing everything they have requested for me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CORELOGIC INC
State: NV

Complaint narrative:
I got a hard inquire from Credco on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and 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 2021-12-27 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with, Equifax and XXXX credit bureau about the unverified account XXXX XXXX XXXX number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
From inception of my mortgage in XXXX through XXXX, XXXX and its mortgage servicers, including but not limited to, BofA, repeatedly committed a pattern of intentionally negligent misrepresentation forcing numerous years of litigation that should have been resolved via settlement agreement in early XXXX. Since such settlement agreement, XXXX and its mortgage servicers, including but not limited to, BofA, continue to repeatedly commit a pattern of intentionally negligent misrepresentation including but not limited to : - failure to provide timely mortgage statements - failure to provide correct accounting in mortgage statements- elder abuse through harassing XXXX year old family members about mortgages they were not a party to in any manner - failure to abide by terms of mortgage agreement - failure to update address - repeated pattern of violation of settlement agreement post multi-year forced litigation after repeated attempts to illegally foreclose on home - fraudulent representation of mortgage terms- intentional misrepresentation of intentional pattern of actions as errors - intentional failure to resolve pattern of intentional misrepresentations over multiple years while refusing to take any action to correct and initiate good faith business dealings Full documentation has previously been provided to XXXX XXXX representatives and is available again for production, per terms of fair resolution provided with receipt of payment for time already incurred to date averaging a minimum of XXXX from 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 2021-12-27 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  -- - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-12-27 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: AL

Complaint narrative:
In XXXX and XXXX of 2021, I filed a dispute with, XXXX and Transunion credit bureau about the unverified account XXXX XXXX XXXXAccount number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. 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 non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I have been attempting to contact Huntington Bank for over a month because I have moved to a new state and need to transfer the registration of my vehicle. I am now one day from having expired temporary tags because no one from Huntington Bank has ever contacted me or my local Department of Motor Vehicles. I have sent two letters, sent two faxes ( one of which was sent directly by my local DMV ), and had several failed attempts at phone calls with Huntington customer service representatives. Each time I have called, I am told by a representative that they can not help me but must transfer me to an auto lien department. Once transferred, I wait on the telephone for a period of time and then am disconnected. Getting savvy to this unfortunate chain of telephone run-around, I asked for a direct number to the autolien/title department, which unfortunately routed me directly to customer service again. This is unacceptable. I am going to be in violation of state/local law because Huntington 's awful management of its lien department . I want an immediate resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Technology, Inc.
State: NV

Complaint narrative:
I got a hard inquire from Credit Technology Inc on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: AL

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN. THESE ACCOUNTS ON MY PROFILE ARE FRAUDULENT. THEY ARE CAUSING MY FAMILY A LOT OF UNNECESSARY HARDSHIPS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Technology, Inc.
State: NJ

Complaint narrative:
Since XX/XX/2020 This Company has done 4 hard inquiries a month on my credit report for over a year. The company is a mortgage company. I never applied with this mortgage company or given them my information. I never had affiliations with this company and do not know how they received my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, we received a loan modification offer from XXXX XXXX XXXX which would be activated by our payment of {$780.00} on or before XX/XX/XXXX. On XX/XX/XXXX Selene Finance acquired our loan and I waited to make the first payment until the paperwork had been processed by Selene. I have attempted to contact Selene multiple times with either no response, or no response that addressed the issue of the loan modification offer from XXXX. When I was able to get through on the phone lines, I spoke with agents who were unable to assist me. On XX/XX/XXXX, XXXX ( agent XXXX ) told me I needed to send Selene a copy of the loan modification agreement so that we could get this resolved before the first payment due date of XX/XX/XXXX and to not make a payment to XXXX. I followed up the next week and was told the information had still not been entered into the system. After that, I asked to speak with a supervisor when I called, and I was told they did not have the information necessary to work with me. One agent referred to the Selene website as their website, so I am not even certain I was speaking with Selene agents. No agent acknowledged receipt of paperwork from XXXX regarding the loan modification or receipt of the paperwork I sent requesting the same from Selene. I never received any response from any of the emails I sent, which included the prior paperwork and a loan modification request to Selene, which I was told I needed to complete to pause foreclosure. 

At the time of loan transfer, the balance on the loan was {$120000.00} ( XXXX ). Selene stated the balance was {$130000.00}, a {$10000.00} increase. ( XXXX ) In addition, Selene charged late fees and a home inspection fee prior to even contacting us about the loan modification. While I understand this is a terribly busy time, whomever is following up on foreclosures seems to be right on track. We would like to note that the letter of foreclosure had a registered mail stub on the envelope that was in the mailbox although no one living in the home signed for it. This could be perceived as an attempt to falsify confirmation of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Consolidated Information Services Solutions, LLC
State: NV

Complaint narrative:
I got a hard inquire from Universal credit svcs on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Good Morning, To whom it may concern, My name is XXXX XXXX and I took a personal loan of {$6000.00} with the intention of paying it back in timely manner, the only purpose of mine was to get a loan and pay it back on time each month so this may help me improve my credit score.

when I took the loan, at the time my credit score was not good and I knew I'll be paying higher interest rate but since the day I got the loan I been trying to get my disclosures to see the terms I signed up for but this company failed to provide anything. 

I specifically requested for 3 year term plan and the gentleman who helped me assured that this loan will be paid off within 3 years as long I am making a payment of {$190.00} each month. its been almost 2 years and my payoff balance still showing of nearly {$5000.00}. I never skipped or delayed my payments. 

few weeks ago I tried contacting the financial institute to find out about more loan, here are some facts I was told about my loan, XXXX, I signed up for 5 years and we cant not provide you any written documentation about that, XXXX there is no disclosers we can you provide your, it is what it is, you are locked for 5 years. 
XXXX if you don't pay the loan we have a lien against your car. 

To whom it may concern- I also work in banking field for over 6 years now and currently working as mortgage processor and its fair to say that I know the lien process, but if you were never told upfront about the collateral lien XXXX how can someone just say we'll take your car away. 

I been trying to contact the upper management to look into my 3 years of loan instead of asking me for XXXX additional years. ( something I never singed up for, if I signed the docs for 5 years Please provide me the documentation including the interest, rate and term ). I dont have problem paying either of the term but my concern with this institute is I did not ask for 5 year for a personal loan. 

Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have two unauthorized purchase on my Citibank Credit Card at XXXX XXXX. When I contacted Citibank I was transferred to their fraud department and I was told that since I do business with Home depot using my XXXXXXXX XXXX card, I made the purchases and I have to pay for them or I am to take the items back to XXXX XXXX for a refund. I told them I did not made the purchases and I have no items to take back, so how are they telling me that I must go and get a refund. I was told to pay a {$35.00} min payment on XX/XX/21 so that I would not have to pay a late fee and the and {$35.00} min payment will be credited back to my account and the fraud transactions will be credited back to my account. That did not happen. I called again on XX/XX/21 and spoke to XXXX, XXXX and XXXX who told me that the case is closed and I have to pay for the items. I am the only person that have access to my card. The cancelled card is still in my possession and I was sent a new card. If the transaction were mine, why would Citibank send me a new card? After several attempts and no resolution, I told them that I will not be paying any more money on this account because I did not made those purchases and I am a victim of fraud, and I am going to dispute the transaction when they send my account to the credit bureau for nonpayment and provide my evidence that I was at work when the in store transactions took place. I go to lunch from XXXXXXXX XXXX., I have to log in and out, and the transaction was made at XXXX per email message received. All calls are recorded and I am requesting that those calls be looked into. I am also attached a letter from my office manager to verify that I was at work along with a copy of the email.

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 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Couch Lambert LLC
State: LA

Complaint narrative:
I previously paid a collection account that was originally a stolen account. XXXX XXXX found the stolen transactions and removed {$27000.00} worth of unauthorized charges from the collection account. There were still about XXXX worth of charges remaining and I agreed to pay the remaining balance in full to finally end a three year issue. 

Counch & Lambert , LLC is responsible for the account and agreed to send me a " PAID IN FULL '' letter once the account was paid ( the representative told me on their recorded line ). I have not received a paid in full letter yet and would like to have it ASAP. 

Do not reply back to this complaint with a copy/paste of my last complaints. Simply reply with the paid in full letter as PROMISED on a recorded line for records of this invalid collection account your company attempted to collect.

Company response to consumer: Closed with explanation