vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
On XX/XX/2021, I received notice that a new collection account was added to my credit report. Upon calling the collection agency, I discovered this account was never mine and was fraudulently opened. 

The account was originated by XXXX XXXX with whom Ive never had an account. Additionally, the address used has never been my mailing address, place of residence, or familiar to me. 

The collection agency, Sequium Asset Solutions recorded my dispute and will investigate. I contacted XXXX and placed a fraud alert on my credit report and initiated an investigation. They asked me to file a report with the FTC. 

Dispute information : Sequium Asset Solutions Amount : {$460.00} Phone : XXXX XXXX Dispute reference number : XXXX Fraudulent partys address : XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
I was contacted by Southwest Credit to pay a debt I did not owe from XXXX. I contacted XXXX and they refused to remove the information from the report. I contacted the debt collector Southwest Credit as well, and they said " my account was locked '' and were unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. XXXX is the only bureau that will not remove these collections from my credit report. XXXX XXXX and Fair collection & outsourcing have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my XXXX credit report.XXXX and XXXX has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through XXXX, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the XXXX  account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This complaint is in regards to " Convergent Outsourcing, Inc, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX, WA XXXX Twice I've gotten letters in the mail from this agency stating that " They have been authorized to accept payment of XXXX % of the total amount owed, which is XXXX, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. ) The top of the letter says I owe XXXX dollars. 

After doing some reading on Convergent, this is a scam. 

I was XXXX XXXX XXXX when I broke my contract with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are able to get out of cell phone contracts. 

If XXXX forgot to dot an I or cross a XXXX, that's not my fault, I hav n't used XXXX since XXXX, and I'm just now getting a letter for this? 

Clearly, Convergent is attempting to scam me. I left XXXX with a clean slate, and if XXXX for some reason didn't update something, again, XXXX, I'll provide all the evidence I need that I was XXXX XXXX on a XXXX overseas. 

The Audacity of this company. 
I don't know how they think I owe XXXX Money, but I was able to cancel my contract with XXXX due to leaving for an XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: MI

Complaint narrative:
Omega rms keep informing me that I will collect interest on the debt owed, I can settle on the account but they are charging me an XXXX dollar fee for each payment and tells me I can mail in the payment and wont stop any of the interest on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TN

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, I received an email from PayPal informing that a unrecognizable device logged into my business account, I immediately changes password as well as attempted to contact PayPal. IN response to what have been ongoing unauthorized activity in addition to unauthorized access into my paypal I was informed of the immediate cancelation of my account and that the balance that I have accrued will be held for 180 days before I am given instructions which further complicated the recouping of my funds. In addition there are monies owed to me from customers who will only be able to pay the debt via PayPal due to the service PayPal advertised as a sure way to receive payment. This is unethical business practice in relation to activity caused by fraudulent activity in which Pay pal was previously notified and provided the necessary reports provided to me by the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA once told me to send the last 10 digits of my debit card to them within their specific secure e-m reply site. I did. BofA then impeached its own instructions by saying that what I had sent to them AS IT INSTRUCTED ME TO DO was unacceptable. 

BofA replied with a stupid comment. STILL WILL NOT EITHER FIX its e-m security code link -- - AND -- - REFUSES to send a SIMILAR CODE VIA C-PHONE TEXT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX 

added note re CFPB website : Q on p.5 of 5 re is anyone else involved in this matter only offers 2 choices -- - NEITHER applies -- - my HUSBAND ( XXXX XXXX has 100 % been involved and helped me and has 100 % access to my personal and financial info but is NEITHER a joint account holder nor an additional card holder -- - he is involved because I WANT HIM TO BE, and he has my 100 % XXXX authority and account info access, ... not for BofA 's legal dept reasons. his e-m is : XXXX. your website needs this added option answer for this question. otherwise, your website is very good. thanks.

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 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Complaint is against new account Synchrony Bank. Customer Service Number XXXX. This account was opened about one month ago. Through my XXXX XXXX XXXX XXXX. All that was charged was an oil change that should have been XXXX for services rendered. I never received a statement from this bank regarding my account. ON the XXXX of XXXX. I contacted their customer service after speaking with my XXXX XXXX XXXX on the XXXX. When I called XXXX I was told I owed the XXXX again, I was a first time customer. I waited on the phone for a CS agent to discuss this matter for over an hour. I then called the Customer Service Number on the card which was XXXX and was told my balance was XXXX. Boy are these people rip offs and crooks. To put myself on the offensive I paid it with my debit card with their automated system and now they're on the defensive. I want back the difference and since this is the treatment first time callers get I am cancelling the card and the account. I will never do business with this rip off company again. I went on line tonight and found they had 80 complaints with one complaint board and over 1 thousand with the XXXX XXXX XXXX. They need to send proper statements out of customers and quit lying about what they owe. If this is the way they treat a new person like me I'd hate to see what they do to past customers. A lot of them weren't happy about it from what I read I can tell you. I want an explanation of their actions and confirmation that this account is paid in full and " cancelled. '' Thanks CFPB for your help once again, Sincerely, XXXX XXXX ( former Synchrony Bank Customer .

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 2021-04-22 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I received an activate money lion debit MasterCard in the mail and all my credit reports are frozen due to potential identity theft. I didnt authorize or attempt to open any accounts with MoneyLion or any other loan companies. This is FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: IL

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists and also Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is 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 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Recovery Management
State: TN

Complaint narrative:
I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is just a continuous problem that they refuse to acknowledge or do anything about. 

1. XXXX XXXX XXXX should be removed but continues to show on my " real '' credit report. 

2. XXXX XXXX XXXX also continues to remain on my " real '' credit report. 

Those addresses are very outdated. They added the correct addresses but failed to remove the outdated ones. 

3. XXXX XXXX XXXX I'm not associated with any longer, needs to be removed. 

4. XXXX  I'm also no longer associated with and haven't been for years, also should be removed.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
national credit system XX/XX/2019 XXXX I have tried several times in asking for your help with a debt that does not belong to and also provide information that this debt is not mines know you need me know choice but to file a law suit which i will be asking the CFPB to come to court and testify once again the account is not mines the company have yet to show proof I file a complaint with FTC along with identity fraud report and telling me to file again so national credit system can do their investigation they do not even sound right i have enclose some documents along with this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying for one year to get my credit report and score. I have submitted numerous of times my identifying information and was told over and over that information has not been received. I called to get address to overnight the information to make sure that information was received and was told by two different representatives that there is no such address. After numerous calls, I was finally given an address. Credit reporting company still has not given me my credit report nor score as of today 's date.

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 2021-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I'AM A 100 % XXXX VETERAN WHO HAS MY HOME LOAN SERVICED VIA THIS CORRUPT THIRD WORLD COMPANY CALLED BSI, I AM PAYING OFF THE LOAN AND GOING TO A HONEST AND ETHICAL XXXX XXXX AND BSI CONTINUES TO LIE, CHEAT AND COMMIT PERJURY ALONG WITH MONEY LAUNDERING AND TAX EVASION AND FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: NJ

Complaint narrative:
I have 4 Hard Inquiries on my EXPERIAN credit report that I do not recognize, I had send multiples certify disputes letters to Experian to remove these hard inquiries from my report and they never contact me back about this. Also I call them true their Fraud department to try to fix this and they treath me very rude. 

I have an extended fraud alert on my report and Experian knows this very well. 
I request that Experian delete these below mention hard Inquiries from my report as soon as posible. 

* XXXX XXXX /  XX/XX/XXXX * XXXX XXXX  XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX / XX/XX/XXXX * XXXX XXXX /  XX/XX/XXXX IF IN 30 DAYS EXPERIAN HAVE NOT DELETED THESE 4 INQUIRIES I WILL FOLLOW WITH A LAWSUIT AGAINST EXPERIAN IN A SMALL CLAIM COURT IN MY DISTRICT.

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 2021-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
I had made a deposit to my investment bank checking and because it was fro an attorney and not a direct deposit they have to hold the check several days until it clears their bank. In the interim my payment I had sent to Heights Finance came through and did not clear. So I got notice of it from my bank and called Heights to tell them and the assistant said I would have to wait until it comes back to them to pay it as I was going to pay it by phone the same day. Several days later she called and said it had been returned but also informed me they only accept payments by check, no debit cards. I have never in my life heard of anyone only taking checks and I used to be an XXXX XXXX at that very location. I then asked to speak to the XXXX about it and she called me back on my lunch and said them at is the case, no other way to pay. I told her I would just pay it on their site again with a check than. I also told her it would be easier to just walk it in and asked if they have a location in XXXX where I work. She said yes they do and that they could take the payments for me there. I told her I just wanted to move the account to the XXXX location and she said they cant do that. I know they can because every loan company does so. I just moved my other loan I have to XXXX too. She just doesnt want to lose the account. She has already lost my future business anyway as she and her assistant were rude, they dont let you pay with debit card and I dont like checks because they deliberately send them through slowly to try to cause people fees, which they are now trying to gouge me for. It is bad enough they are charging me XXXX % interest when I have excellent credit but just dont use credit much and I work for the State of XXXX! I just told them I would pay the full amount when I got paid the XXXX and then they sent me a letter today harassing me about it again and this time threatening possible late fee and adding of course a {$25.00} NSF fee! I hate people like these always trying to take all they can get from people. I am paying the loan off in a couple of payments and never going there again. I just looked online and their reviews are horrible they are not like they used to be XXXX yrs ago when I worked for them. I tried calling the XXXX number which is suppose to be their corporate office and the phone rings then goes dead. I have a right to have my loan moved wherever I please and I want it moved to XXXX XXXX. I also want to know why this company is only allowing payment by check unless they are doing so for fee income off of NSFs.!!

Company response to consumer: Closed with explanation