vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC
State: IN

Complaint narrative:
DiTech Financial LLC is trying to collect a debt that is not mine. Harrassing phone calls and letters. I am sending a certified letter today including the Fair Tade Debt Collections act. If they do not stop I will be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I emailed Chase ( at provided address : XXXXXXXXXXXX ) to request reopen the dispute claim ID # XXXX for the transaction done on XX/XX/XXXX. Then Id called in several times to follow up and I always got advice that my request had been processing and I would be contacted if any further information needed. Also, on XX/XX/XXXX, I got a letter which dated on XX/XX/XXXX, confirmed that my request had been processing and well contact you if we need more information to dispute the charges. ( Please see attachment for details ). 
However, on XX/XX/XXXX, I called in again because no-one contacted me and now I got advice from Supervisor named XXXX XXXX XXXX that the disputed claim had been closed because there were no supported documents and if I wished to re-open the above dispute claim, I could email the supported documents with the narrative to request for re-opening which I did on XX/XX/XXXX. Additionally, on XX/XX/XXXX, I received the letter ( please see the attachment for details ), which dated on XX/XX/XXXX, stated the above dispute claim were denied with the reason : a significant amount of time has passed since the date of the charge. Despite our efforts, the merchant is not willing to credit your amount. The merchant is not required to credit your account because the charge took place too long ago. Then I called Chase Customer service, I got advice that the timeline allows for a transaction dispute is 3 billing cycles while the original transaction were on XX/XX/XXXX and my first requests for reopen the dispute claim were on XX/XX/XXXX, both were less than 60 days. Thus, the denial of crediting me {$6000.00} for the transaction on XX/XX/XXXX was not reasonable and not compliance with Chase dispute guideline. Even though I emailed Chase on XX/XX/XXXX to request for re-opening the above claim, but I also would like to send this letter to your department to ask for your attention because I want to make sure the request to be taken care properly and asking for expediting on the process of my request because I have been waiting for more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
on XXXX XXXX,2017 wells fargo credit card fraud dept called me regarding supiicious charges on my creit card. i stated the 3 charges for XXXX, XXXXand XXXX were fraudulent and i did not make them or authorize any one to use my card. i have no idea who did it or how they got my card. they ask me if i had the card in mypossession i said did however i misspoke myself when i later looked for the card in my desk drawer it was not there along with another card which was gone. about week later a person from wellsfargo called to follow up on the fradulent use of my card at that time icorrected ststement that i had the card and told tmem i did not havethe in my possession at the time of the chargesand no idea who took the the card or who used the card.on XX/XX/XXXX i wrote them a letter stating thes details.again that i did not have the card in mypossession have no idea who took it or who used it.i susspect it was one of my cleaning people but i have no idea who it could be. hoping u can help and get charges cancelled thank u for your help..XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, mi XXXX credit card # 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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
My son received a letter from Chase Bank denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to XXXX XXXX and the Better Business Bureau. I also called XXXX XXXX at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to XXXX, but because my son is a minor, this application was discarded. My child is a minor and information on the credit card application was incorrect, but I am unable to contact XXXX XXXX to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I requested a new card with my previous address, was informed that my card was sent out on XX/XX/XXXX. 
Was told it takes 5 to 10 business days. 
Called in when I did not receive card, was told it was sent off on XX/XX/XXXX Today is the XX/XX/XXXXand still have not received card. 
Please address this matter A.S.A.P. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: LA

Complaint narrative:
When I log on to my Transunion account and try to do a dispute on some accounts on there, when I go to submit the dispute it says the items im trying to dispute are n't on my credit report. I am unsure of what 's going on because if its not on my report then why am I seeing it.

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 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have reached out to this company via certified letter asking for debt validation in which this company has not responded to my request. I sent the debt validation letter on XX/XX/XXXX and again on XX/XX/XXXX with no response either time. I have no knowledge of this debt. I have no signed contract with this company nor do I have any signatures or receipts from this company. They have not responded to either request for validation. I am being denied credit because of this inaccurate information.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
they run my credit without my permission capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2018 Inquiry Type : Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I 'm filling a complaint because I have an American express account I did not open, it is a result of identity theft or fraud. my wife opened the account without my consent or knowledge and when I found out and asked her to give me the logins an passwords she created for the account to access the account she refused, and she set the account up to get paperless billing sent to her private email address witch she also refused to give me access to. I called American express and notified them of the identity theft by my wife and asked they close the account witch evidently they did not and are continuing to send letters saying my account is past due, And stating my credit score as reported by XXXX has downgrade from XXXX to XXXX as result of pass due amount owed on this account witch I did open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MNE Services, Inc
State: GA

Complaint narrative:
Mon. XX/XX/XXXX @ XXXX XXXX Received phone call from guy claiming to be an investigator named XXXX XXXX stating I owe money for a payday loan. I informed him that I do not owe a payday lender and asked him to email me proof of loan or some document to show that I owe. He finally emailed a threatening document stating I owe but not mentioning to whom I owe. I informed him that I am disputing any loan he shows I owe. He stated he would call my place of employment daily until I pay the money. 
Tues XX/XX/XXXX He has been constantly calling my place of employment today with back to back calls. He uses profanity and threats to anyone that answers the phone. The number he called from is XXXX / emailed from XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: NC

Complaint narrative:
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus Transunion has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

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 2018-01-23 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: NC

Complaint narrative:
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

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 2018-01-23 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: LA

Complaint narrative:
Logged on to my Transunion account online. Tried to dispute a few accounts but when I got to the end to submit it, I got an error message that stated the accounts I was trying to dispute were not currently on my report. I 'm confused because if I am able to see the accounts and it gives me a dispute option then it must be on my credit report. Unless Transunion is not updating the correct information but its causing me to not be able to get a home. I need this to be fixed.

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 2018-01-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I have made a purchase of {$300.00} of XXXX gift cards and {$45.00} of XXXX gift cards from XXXX XXXX XXXX ( XXXX ). 
The XXXX gift cards ( electronic ) do not work as I attempted to use them on variety of items on both XX/XX/XXXX and XX/XX/XXXX. I have brought this issue to XXXX including a case number and the issue was ignored. 
On XX/XX/XXXX I have contacted XXXX XXXX XXXX representative who assured me that the XXXX will result the issue as their position is that it is not XXXX XXXX responsibility but XXXX to honor them. After spending over 30 min on hold and despite informing the CSR that XXXX XXXX refuses to address the issue stating that the cards are valid, I was again transferred to XXXX XXXX on premise that they are responsible for the issues regarding and not XXXX. XXXX again refused to address the issue stating that their record show no Gift cards were actually sold on the transaction in regards of the original XXXX XXXX purchase. 
It is apparent that the XXXX XXXX feels that it has no responsibility to address the issue while XXXX states that it is seller 's responsibility, not XXXX 's to address them. 
I think both XXXX and XXXX XXXX is not willing to address the issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a continued issue with lender placed flood insurance which was placed on my home by Chase in error. This occured on my first and second loan. I attempted to resolve this issue on numerous occasions without success. Due to this insurance my mortgage payment was increased on both my loans, and I fell behind both. With the help of the XXXX XXXX XXXX the lender finally cancelled some of the insurance on the loan. I had requested that they refund me all of the late fees, and foreclosure fees for double charging me for insurance on the first and second loan. To date, they have not refunded me the entire amount of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Consultants of California
State: CA

Complaint narrative:
The item in question was a medical debt that was processed by the debt collection company 's client. Insurance for this medical claim was covered via XXXX and is being corrected by the hospital, but Collection Consultants is refusing to follow California law which states as follows : Welfare and Institution Code, Section 14019.4 ( e ) If a patient provides proof of XXXX eligibility to a debt collector, and the debt collector fails to notify the provider of this proof, the provider shall not be responsible for ensuring that collection efforts against the patient cease pursuant to subdivision ( d ) until either the patient or the debt collector provides the provider with proof of the patient 's XXXX  eligibility. 
( f ) A XXXXXXXX provider or debt collector shall be deemed to be in violation of subdivision ( a ) of Section 1785.25 of the Civil Code if more than 30 days after receiving proof of XXXXXXXX coverage the provider or debt collector does either of the following : ( 1 ) Furnishes information regarding the rendering of the XXXX covered services to a consumer credit reporting agency.

( 2 ) Fails to provide corrections of, or instructions to delete, as appropriate, information regarding XXXX covered services previously furnished by that XXXX provider or debt collector to a consumer reporting agency. 

Also, Collection Consultants has been supplied with a copy of all communications with the hospital, showing XXXX coverage was in effect for this claim. Per our call to Collection Consultants on  X/XX/18, they refused to remove the item despite being supplied with the documentation. 

This item needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card placed a lien on my homestead in Texas. The closing of the sale of my house occurred on XX/XX/XXXX. Within a week ( or shorter ) of the time of closing, I signed an authorization to allow the title company to communicate with all parties related to the lien on my behalf. The title company began requested release of the lien on or just a few days prior to the date of closing. My understanding is that the other party to the lien has 30 days to release the lien. It has been almost two months. On XX/XX/XXXX, Discover Card 's attorney ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ) said he provided the lien release to Discover for review. Attorneys contact information is Phone : XXXX | Fax : XXXX | XXXX. 

I have approximately {$16000.00} still due to me from the sale of my house that is held up with this invalid lien. 

The title company has not since been able to get any response from the attorney. 

The escrow officer with the title company is XXXX XXXX, phone XXXX, fax XXXX, email XXXX.

Company response to consumer: Closed with explanation