vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
XXXX for of my social security is XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company. A clause in the original signed contract that authorizes you to collect on this debt. ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I leased in XX/XX/2020 a new car from XXXX XXXX  and the lease was financed through KiaMotorFinance. I paid the down payment and the XXXX lease payment via a check from my checking account and requested all further payments to be withdrawn from this account as well. I was assured that that was done this way and that I would receive a welcome package from the bank with all information regarding this. After two weeks I had not gotten any mail I contacted the dealer concerned about this but again I was assured that all was in order and due to Covid19 there were delays. Than I called the bank but I was told to give them my account number but I did not have that and I was told again that I would get this soon. Due to my very tough work schedule in the XXXX dealing 12-15 hours per day with XXXX XXXX  and the reassurance from dealer and bank I did not worry any longer until one day in XXXX a tow truck showed up to repossess my car but the driver left after I explained and showed all my proof and said that this didnt sound right. I than immediately called the bank and one employee recognized the problem and emailed a statement to me and I realized that KiaMotorFinance had used a totally wrong address and according to the bank associate had done so even after the mail was returned to them. And still they did not contact me or the dealer to right this wrong. And now they do not answer 3 certified letters, emails or phone calls but just hang up. I even immediately mailed a check with the full amount but this check has not been posted by them. 
I hope that you can help

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Have disputed this account multiple times. XXXX  has deleted it for inaccurate reporting. XXXX  and XXXX  comes back saying account verified. And since that's not what I'm disputing, it tells me they are using EOscar  system and not a full investigation, which is a violation of my rights under FCRA. Screenshots from my report show multiple inaccurate reporting items. Date of last activity, last updated, account type, ect. It's reporting as currently later with XXXX  as if its still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been dealing with Equifax for a long time. First it was a bankruptcy that was reported On my credit report that was not mines it actually belonged to my father. Now that was resolved. Im in the middle of trying to purchase a home for my family and now Equifax is reporting a alert on my file that its blocking due a dmv or police report. Not sure why this alert is there as I have never report identity left report to police or dmv. When I call Equifax states that we have no freezes or alerts but when I got dispute this alert it does not allow me to dispute this. My lender is not able to pull my report with equifax and we have already lost our home that we have built due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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 — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal overestimates foreign exchange costs, takes the money from my account and then will not return the XXXX  post transaction. I have tried to get a refund and can not get one and I am being pressured to add more funds or open a credit card to use my balance. There is likely XXXX  of dollars that have been collected this way. I have asked for almost TWO years for a refund or the ability to use my money balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX I made a purchase in the amount of {$110.00} at XXXX XXXX XXXX XXXX with my Citi Double Cash card. When I reviewing charges later in XXXX I noticed I had been charged for three separate charges at XXXX XXXX on XX/XX/XXXX. One charge was for {$42.00}, the second for {$72.00}, and third for {$110.00}. The charges for {$42.00} and XXXX add up to {$110.00}. I was DOUBLE CHARGED. The next time I was at the golf course we reviewed their point-of-sale ( POS ) system for the charges from that date and they had no record of the charges for {$42.00} and {$72.00}. Their POS system on showed the {$110.00} charge. 

With this information, I then filed a dispute for the charges of {$42.00} and {$72.00} with Citi Bank in late XXXX via the chat system Citi has online. A week later, on XX/XX/XXXX, I contacted Citi to ask for a status of the disputes and I was informed that I had withdrawn my dispute, which I had not. I then filed the disputes a second time using Citi 's online dispute system. The dispute for {$42.00} was immediately approved but the dispute for {$72.00} was not. Citi then contacted XXXX XXXX to ask for information related to the disputed charge. XXXX XXXX provided Citi Bank a printout from their POS system with charges from XX/XX/XXXX. Keep in mind the date of the disputed charges is XX/XX/XXXX, not XX/XX/XXXX. With this information from XXXX XXXX, Citi Bank denied my dispute. 

I have again disputed the transaction for {$72.00}. Given that it is clearly obvious I was double charged ( again {$42.00} + {$72.00} = {$110.00} ) it is beyond me why Citi has bungled the dispute twice already so I think it is appropriate that the CFPB be aware. 

At this point, I expect that Citi not only reverse the {$72.00} charge from XXXX but I also expect them to provide a sufficient response to me for and compensation for all the time I have wasted because of their incompetence.

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 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: VA

Complaint narrative:
i have contacted this company and inform them that this debt is mines i have also sent letters to this company and told that this debt is not mines i have no knowledge of this account and i need this debt to be remove off my credit report ASAP please contact XXXX, XXXX and XXXX  to get my debt remove from my credit report

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 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Thomas Agency, Inc.
State: NH

Complaint narrative:
I was seen at XXXX hospital for a emergency. My insurance company covered the visit 100 %. I received a bill for XXXX. I called them gave them my insurance again. Then heard nothing again for awhile then bills started coming again. I kept calling in my insurance information. Finally they sent it to collections without giving me the right to dispute the charges.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
We are experiencing a national pandemic. I am out of work, yet this company decided to put this derogatory bill on my credit. The bill is {$290.00}. I spoke with someone about 2 weeks ago who said they would work with me. I lost my job which I told them I was NOT working but wanted to see if I could appeal the amount with my health insurance company. but two weeks later they put this on my credit to damage my credit. Do they NOT see where are experiencing a pandemic and there is a lot going on. How can they do this???? I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
So I called in to get my XXXX taken care of. This account ends in XXXX. I had lost the XXXX card somewhere in my house and for some reason that account was restricted. Granted for no reason. I still do not understand how you can restrict one account and not all three of the accounts that I have with you. Anyways, as I am calling to get this account taken care of and reactivated with a new card sent out to my house the Customer Service rep canceled the wrong card. The account that was canceled was the platinum card account ending in XXXX. 
I am currently traveling and am a couple of states away from my home in Arkansas. And I have been lied to severaltimes by severalpeople and departments in regards to this matter and its resolution. A card was supposed to be overnight to me at my location in Colorado. And when I called in today I had found that the card had not even been shipped out yet. So I am stuck in this state more days than I had anticipated because I was using the card that got cancelled. This whole situation has been filled with people lying to me and transferring me to other individuals so they can lie to me and set false expectations. I am ready to Cancel every single account I have with Capital One because of the trouble this has caused. It was not just a minor conveniencebecause I was using the platinumcard to travel on. It has put me in an extremely hard position because I was relying on the money. So I would like to talk to someone about who is going to actually be held accountable for this mix up. If not then I am going to cancel all of my accounts including the Auto Loan and get a Jag Lawyer to take this to court because of the trouble it has caused. I usually don't complain and you guys have been extremely good to me so far but this situation in itself can not be overlooked and I am tired of talking and being transferred to different managers just to be told that they can't do anything and get lied to again. Everyone of your conversations is supposed to be recorded so I want the recording to be brought up and I want individuals to be held accountable for their half truths and falsehoodsand false expectationsthat were set. 
You guys have put me into an extremely hard situation due to a Customer service representative'smistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I received a phone call from a woman who said she works for Portfolio Recovery Services. She identified me by my name and birth date and stated she was attempting to collect a debt. I informed her that I don't have any outstanding debts and that I was immediately disputing whatever the company thinks is owed. The woman then went on a long monologue about how items can affect my credit, etc. and asked me again if I was disputing the debt, to which I said, " Yes, I'm disputing this! '' I told her again that I don't owe any companies any money and that I have no outstanding collections. 

I then asked her what debt it is that they claim I owe, and the woman said it was for an account at XXXX XXXX. I informed her that I have never had any type of credit card or store credit from XXXX XXXX. I then asked her when the debt was supposedly charged and she said XXXX! After this statement I said " You've got to be kidding me! '' and I disconnected the call. 

The woman called me from XXXX at XXXX XXXX EST on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03 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: CONTRACT CALLERS INC
State: GA

Complaint narrative:
In or about XX/XX/2020, I disputed Contract Callers ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Contract Callers requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a chase sapphire reserve credit card since XX/XX/2020 with annual membership fee of {$550.00}. In XX/XX/2020 chase put out a press released that any one getting a fees charged between XX/XX/XXXX to XX/XX/2020 will get {$100.00} fee refund as members are not able to use travel benefits due to covid. I got fee charged on XXXX but havent got {$100.00} refund. I spoke to customer service and supervisor and they both refused to issue the credit because as per them Im not impacted by covid and voluntary signed up for sapphire this year. But in XXXX when I signed up there was no pandemic situation so I believe its unfair to not refund {$100.00} as Im also not able to use benefits of reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Thomas Agency, Inc.
State: NH

Complaint narrative:
I was taken to XXXX Hospital in XXXX of 2016 for a emergency, I had government issued health insurance which covered my medical bills 100 %. After a few months I started getting bills from the hospital saying I owed XXXX from the hospital. I tried many times calling in my insurance information to the hospital for them to send to the insurance, they did not put it through to my insurance but instead kept harassing me with bills again. I once again called in my information to the hospital. The hospital charges are broke down into each department that treats you. Every department put my bill through to my insurance all except XXXX themselves. Now they have sent it too collections. I have tried to dispute it through XXXX but they denied me even though I gave them all the information. XXXX Hospital has to have my insurance on file because I was seen in their emergency room in XX/XX/2016 for a XXXX XXXX, that lead to XXXX in XXXX for a XXXX XXXX that was covered XXXX by my insurance.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-03 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: GA

Complaint narrative:
In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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:
In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX  XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

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 2020-10-03 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
XXXX XXXX  initiated an inquiry on XXXX ChexSystems report on XX/XX/2017 that as of the filing of this complaint was still on my report which goes against their own policy of removing inquiries after two years. There are two other inquiries from 2 different banks that are also 2 years or older.

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 2020-10-03 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
In or about XX/XX/2020, I disputed Collection Services of Athens ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to Collection Services of Athens requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

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 2020-10-03 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: GA

Complaint narrative:
In or about XX/XX/2020, I disputed XXXX XXXX  ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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:
In or about XX/XX/2020, I disputed XXXX XXXX  ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.

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 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Received a debit card in the mail unsolicited. Contacted Chime to determine who or how fraudulent account was opened and they wanted information including SSN to research. As I have not heard of this company, I do not feel comfortable giving them my information to research their fraud. I offered to give the card number on the debit card received and was told that was insufficient. This companys know your customer compliance should be reviewed as it appears they are deficient.

Company response to consumer: Closed with explanation