vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: MD

Complaint narrative:
experian { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, experian declined to address problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.

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 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd par
ties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts 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 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I signed up for a TransUnion credit report on Monday, XX/XX/2020 which I thought was free but evidently was not. I was charged a whopping {$27.00} for a report that I can receive completely free over at 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 monetary relief
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC.
State: NJ

Complaint narrative:
I received a call from XXXX at XXXX XXXX on XX/XX/XXXX he did not disclose where he was calling from asking me to confirm my date of birth and social security number. I said to him Im not giving out my information when I do not even know who this is and he went on to say that he is not asking me for my information he is asking for confirmation but he did not seemingly have anything other than my name and phone number. He threatened to get me locked up for not providing my information. 

This same man called me when I first moved to NJ in XXXX and did the same thing claiming there was a court case and a warrant for my arrest, he called me a XXXX and said Id regret it, when I called the XXXX XXXX police they stated there was no such case for my name. In XXXX My employer received something for wage garnishment and when I called they stated that I didnt show to a court date with Wakefield and Associates so it defaulted to them winning. I was not informed of any of this and paid it in full when I spoke to the court as I always pay my debt if I get a bill. I was never able to get details regarding that case so I do not even know what I paid, all I know is I didnt want my employer to garnish my wages when I can pay a bill just fine. When I called back after the call today it said the same name Wakefield and Associates so I want a document regarding what this debt they claim is and I want an opportunity to pay it if the charge is real. I have seen various charges pop up that were fraudulent in the last year so I need proof of whatever this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: MD

Complaint narrative:
XXXX  { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, XXXX  declined to address  problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.

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 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I was XXXX XX/XX/XXXX to XX/XX/XXXX in XXXX, XXXX, XXXX XXXX and my military star card account have fraudulent charges from carpets, novelty merchandise, and jewelry I reported it to the PX manager and they replied : they will investigate the vendors from the base and they will take the necessary adjustment. I got home and there are no notes or complaint I made from the incidents. I took steps from my chain of command to complain everything but AAFES never consider investigating. They have taken multiple of my tax returns and still no avail of remedy. I have been the victim of fraud and still no solutions for the injustice. Can you please let me know how to resolve this difficult tragedy. I have no more income and only depending on my XXXX. Soon they will garnish 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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My mortgage is serviced by Chase. On XX/XX/2019 I made my XXXX mortgage payment early. I had autopay set up with Chase, and Chase drafted a payment of {$3600.00} on XX/XX/XXXX, even though the XXXX payment had already been made. This overdrew our checking account, and I had to spend considering time and expense rectifying the situation. 

I did not expect that Chase would do this because 1 ) The autopay page on their system showed XX/XX/XXXX as the 'due date ', after the payment for XXXX had been made and stated 'your payment will be drafted *on the due date* ' 2 ) I had at some point been assured by a Chase CSR that they wouldn't do this. 
3 ) I have never had a servicer do this ; there is simply no reason for a servicer to take a payment which has already been made three weeks earlier, the autopay authorization not withstanding. The autopay is an authorization to take the payment *on the due date*, not to process payments arbitrarily. 

Chase 's position is that they did nothing wrong. They claim that the XX/XX/XXXX draft was taken so as to be applied to XXXX payment ( see attached correspondence from Chase ). Moreover they say that on XX/XX/XXXX they sent me a text warning me that the next payment would be drafted in XXXX. I attach the text, and it has all dates omitted due to an error in Chase 's system. 

Chase has capriciously set up a system which takes payments whether or not they are due - there is no reason for them to take XXXX 's payment in XXXX - their own system had confusing and misleading information about when the next payment would be taken, and their notification system was defective, omitting dates in a key text. 

Their reckless behavior could easily have lead to a disaster had I not noticed and rectified the overdrawn checking account that day. They have refused to take any responsibility, or compensate me for the time and expenses involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
Recently, Paypal decided to close my account that I've had with them in great standing for several years out of the blue and without a warning. Paypal is notorious for doing things like this as I have uncovered from other people 's complaints. In my case, they approved me to get paid out right away which is a privilege to have with this company and only reserved for the customers who are in good standing with this company, I believe it's called funds now. Which confirms the fact that I have a great track record with them. However, a few weeks ago, I go to log into my Paypal account and wouldn't you know it, I get a message telling me that I have violated their terms and/or conditions and that they no longer wish to do business with me. Why????? Why Paypal???? How about an explanation about why you would treat a long standing great customer such as myself like this all of a sudden? I have done nothing wrong or out of the ordinary and you drastically shut me done and treat me like some kind of infectious disease. This is unacceptable! 
The only transactions that I have recently done on my account around this time was to receive rent payments from a guest chef that was visiting from XXXX to open up a new restaurant in downtown XXXX. He stayed with me for a couple of months while I rented out half of my apartment to him-Legally! And the other transaction was to receive payment for a cell phone that I sold to someone from XXXX that came to my home and picked up the phone and could only pay me by sending it through your service to my account. That's it! So, you want to tell me now how I have violated any of your terms and conditions in any way with these transactions?? Enlighten me please. Or, can you tell me what was unsafe about either one of those transactions? Nothing! They were all legitimate and normal transactions and for you to close my account just like that for conducting these normal transactions or without any warning is wrong and unprofessional. My login user id for this account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date XXXX XXXX ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX  for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX   lawsuits have been filed and ... FREE XXXX XXXX  TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ),  including attempting to collect debts not owed and failing to verify debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express had a XXXX card promotional offer with XXXX. When you clicked on the link, it was a {$3000.00} spend in three months and you get XXXX points with a {$50.00} statement credit. American Express continues to say that they only offer XXXX points with a {$2000.00} spend. I have tried to solve this problem several times with the credit card company only to be told this offer does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TX

Complaint narrative:
his page lists some civil complaints filed against XXXX XXXX XXXX, in the United States. ... Here is a page listing 116 lawsuits filed against XXXX XXXX ( XXXX ). ... ( 3 ) enrolled consumers in onlinebanking services that they did not request ; and Date : ST ; FileXXXX XXXX reaches $ XXXX settlement in accounts-scandal lawsuits XXXX sues XXXX for {$800.00} XXXX as card split sours the dump credit card XX/XX/2017 - Since the settlement more XXXX XXXX lawsuits have been filed and ... FREE XXXX XXXX TCPA VIOLATIONS LAWSUIT EVALUATION ... were received and cashed by this fraudulent XXXX XXXX and placed ... 

care credi act resolution svc 342 Account XXXX XXXX or XXXX is a third-party collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and failing to verify debts.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I tried to make several attempts to pay on the card using the app. I believe there is a flaw in their system. The payment said received then weeks later it said rejected and I was never notified. I called customer service and was told to try again which I did which was also recjected. I then called my bank and paid with my debit card vs paying through my account and it finally went through. Everything seemed ok afterwards and was told there would be no worries. They then canceled my card because I missed 2 payments ( which is simply not the case ). I was told to reapply if I wish to have credit and that they would not reinstate my card. I find this to be absolutely ridiculous because I attempted to make the payment on more than one occasion.

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