vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX a technician cam to my home to complete my XXXX one gb internet service order. Once he connect the internet he was not able to get the gb speed connection. It was only 200 mb speed. He contacted his office and tried a lot to get the speed. He was at my home almost for an hour but was not able to fix the problem. He told me to contact XXXX on Monday, XXXX of XXXX in working hours. When Monday comes I called XXXX and they sent the same technician. Again, was not able to fix the problem. The same day after he left I called XXXX and asked them to cancel my order immediately. On XX/XX/XXXX, they sent me this email this email asking to stay with them. 


" XXXX, stay with Fios and you could save XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Stay with Fios and enjoy this special offer. 
Your personalized bundle is just Continue with Fios and you could save money. 
Its not too late to keep enjoying the benefits of our 100 % fiber-optic network. Weve received your request to disconnect your Fios service and wanted to extend a special offer to you. 
To learn more about this offer, visit us online or call XXXX before your disconnect order completes. 
We look forward to hearing from you. '' They told me they cancelled it right away. They ask me to return the equipment which I returned. Here is the confirmation email from XXXX about the equipment return. 

" XXXX Notification XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Hi Valued XXXX Customer, Your equipment was received and processed on XX/XX/XXXX. There is nothing additional for you to do. 

We look forward to working with you in the future. '' The same day I contacted XXXX and ordered a service which I am still using. After a while XXXX sent me a bill. I called them and explained the situation that I never received a service from them. Then they said they will adjust my account to XXXX balance. 
On XX/XX/XXXX I received a letter from debt collector that I owe them {$40.00}. Then I called XXXX to talk about this bill. When I called XXXX number and put my account information, the call is transfer to the collection agency. I was not able to access XXXX anymore. 
I am filling this complain because XXXX is sending a bill for the service they never provided and also send my account to collection agency who intimidating me and create a fear on my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has failed to provide me access to my information after verifying it with them repeatedly. They have locked me out of my online account without recourse, before I even completed registration. They claim to be " investigating it ''. I offered to verify any information they needed. They declined, citing a further need to " investigate ''. This is an unreasonable burden on consumers who want fair access to their credit reporting and scores.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$0.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

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 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 {$0.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
I have been disputing a medical debt assigned to this debt collector for months. I first noticed an adverse remark reporting on my credit report. Once I looked into it, I contacted the debt collector, which is Online Information Services Inc. 

I immediately told them I had not received any written notifications from the medical provider nor from them with regards to the debt. The first notification I received was from when I went to go apply for a mortgage loan, the loan officer told me about this debt. I protect my credit feverishly and immediately looked into the issue. This account was paid on the spot after contacting this debt collector. 

Upon several credit bureau disputes, I have no choice but to file a claim against this debt collector for continuing to report incorrect information to my credit report. In addition, this collector received a written notice on XX/XX/2020 advising them of my position and knowledge of my rights, and as of the date of this filing they have ignored my correspondence. 

Specifically, I am aware that creditors and collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). They have been notified on several occasions this reporting is  innacurate I hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law. 

For the record : I was NEVER in receipt of your original dunning notice allowing me 30 days to dispute this debt, or satisfy this debt and avoid any negative marks on my credit record. Therefore, the information you submitted is inaccurate and must be removed. 

Unless you have compelling evidence to prove otherwise, I demand that you immediately withdraw all negative credit reporting and delete this from my credit reports. 

Should this item remain on my credit report and you refuse to remove it, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau and the California Department of Justice. I hope you cooperate with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On three or more occasions, I have disputed the inaccuracy of this debt with the three main credit agencies. XXXX  has deleted the debt from its report. The reporting includes the wrong original balance and improperly added over the limit fees. First, the original approved amount is {$500.00} of which about {$420.00} was used. However, the reporting notes the original and high balance as the same, i.e., {$850.00}. Second, when the account was about {$420.00}, XXXX/XXXX XXXX, added late fees and interest until the account reached {$500.00}. At that point, they added over the limit fees, along with the late fees and interest charges. Next, I have disputed the inaccuracy as I am not liable for the over the limit fees, want them removed, balanced recalculated, and original balance and high balance reported correctly. Last, Calvary is the new owner and I am requesting that they show the line items up to and over {$500.00} that resulted in the account reaching the plus {$850.00} balance. I am uploading some docs but have more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: FL

Complaint narrative:
I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.

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 2020-02-19 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 BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2020-02-19 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: FL

Complaint narrative:
I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.

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 2020-02-19 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: FL

Complaint narrative:
I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was booking a flight on XXXX XXXX, and there was an icon on the screen from Chase to apply for a XXXX XXXX Credit Card. It offered a {$250.00} statement credit after 1st purchase, and XXXX air miles award after {$2000.00} of spending in the first 3 months. I applied for the card, was immediately approved, and used the new account to pay for the airline ticket, which should have qualified as the 1st purchase. Upon receiveing my 1st statement on XX/XX/XXXX, I noticed that there was no {$250.00} credit, additionally that the terms of the offer had changed. The 'revised ' offer was for XXXX air miles after spending {$2000.00} in the first 3 months, and then an additional XXXX miles if I spent a total of {$10000.00} in 6 months, and no statement credit for the first purchase. When I received my statement I immediately called Chase to inquire why my bonus offer was different that what I saw on the website. Additionally, I went on XXXX XXXX website, went through the reservation process, and the same offer that I saw on XX/XX/XXXX was present on the site on XX/XX/XXXX. I asked the Chase rep why my offer had changed, and they indicated that they would have to send a request up to the marketing dept. to check to see what happened. They mailed me a letter dated XX/XX/XXXX, which I recieved on XX/XX/XXXX stating that they would not honor the offer that was present on the XXXX XXXX website when I applied, however they would still honor the alternative offer. I again called Chase on XX/XX/XXXX after receiveing the letter, and was eventually transferred to a supervisor who would not honor the intitial offer, instead she indicated that she would again send the request up to marketing and this would take anywhere from 11-13 days to process. Additionally, she stated that she did not want to do anything about the original offer until I had spent the {$2000.00} ( I had spent about {$1500.00} at this point ) and I explained to her that I was most interested in getting my {$250.00} statement credit now, as I had made a qualifying 1st purchase and the bonus miles were of secondary concern. Upon hearing that I would have to wait another 11-13 days for a resolution to the issue, I instructed her to cancel the card, as I no longer wished to do business with Chase as this is a clear bait and switch tactic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Missed call from collection agency for debt from someone who does not live in the property

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: NJ

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was negotiating the cost of a puppy online and was requested to use XXXX for the transfer - turned out that the person was scamming multiple people out of thousands of dollars. Wells Fargo offers this service and advertises it as a method to instantly and securely transfer funds. They failed to make it known to the consumer that they offer no recourse for these mishaps and refuse to assist in any way and blame it on its the users discretion whether they review terms and conditions before every single transaction. Not taking into account that not every consumer has the ability to fully access and/or comprehend the details therein.

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 2020-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Netspend Corporation
State: CT

Complaint narrative:
I've received BRINKS prepaid mastercard which I haven't aplied for

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: OH

Complaint narrative:
I previously lodged a complaint against Kimball, Tirey, and St. John on XX/XX/2018 detailing overwhelming evidence, coupled with dates, indicating I am not responsible for the debt they are pursuing me for. This debt appeared on my credit report and, after lodging my previous complaint, it was removed as I am clearly not contractually or legally responsible for the debt. 

I am lodging an additional complaint because Kimball, Tirey, and St. John are continuing to send paperwork to my home addresses to me, in spite of the fact that I am not responsible for the debt. Moreover, they have contacted individuals I am in contact with to pry them for i information on employment and income, representing themselves as apartment managers confirming employment for a recent apartment rental application. Thus, they are misrepresenting themselves to pry personal and confidential information for which I have not authorized them to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Follow up-to Case number XXXX Complaint filed XX/XX/20 Heard from PNC Bank today. I spoke with XXXX XXXX, Executive Client Relations. Having promised me a fair resolution, back on XX/XX/XXXX, she assured me this matter would be thoroughly researched. In addition, Ms. XXXX promised me, if any reason, I am not granted a credit card, in that she would offer me other options in order to help me pay my medical and dental expenses. Well, that was all a bold-face lie. Ms. XXXX contacted me informing me there was nothing the bank could do for me. Again, all due to my Ch XXXX bankruptcy that has now been discharged for well over a year. MsXXXX XXXX also got the information wrong, where she referred my filing as a Ch XXXX filing and not Ch XXXX. 
Again, I am extremely dissatisfied with PNC and how they consistently mistreated me during this process. This was by far the worst experience I have ever had with any banking institution. When I questioned Ms. XXXX on disclosures, she had no answer for me. That itself is rather scary. Again, I feel very discriminated against by this bank. All due to my past bankruptcy. How incredibly unfair is that? No other bank has ever treated me this badly. I very much want this complaint to go directly to the bank President, Mr. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2020, I went to money grand facility located in XXXX NY XXXX to sent XXXX dollars to XXXX XXXX they charge me XXXX dollars for the transaction, unfortunately, the person I sent it to the name I put down was not the same as the ID they had. Usually in my country, they use two first names, middle name, and two last names.I called money grand at XXXX approximately XXXX XXXX in the afternoon on XX/XX/2020, and one of the representatives told me that I need all the information. Again I call at XXXX in the afternoon and the representative told me that she will give me a code number, with that code I have to go back to the Moneygram site to make the changes. The representative told me I wouldn't be charged a XXXX dollar fee again. At approximately XXXX XXXX in the afternoon I show up at MoneyGram with the code to the same women who made the previous transaction for me and she said that in those countries they using 2 names and 2 last names. I told her that two days ago I send like XXXX dollars to the same person and it was not a problem maybe it is because of the amount of money. Finally when the teller changed the first names and last names she told me is XXXX dollars more. I respond to her does not fare beacuse I already paid XXXX dollars for the transaction this is not the first time happen to me in other instances they just change the names and that it all.I have also clarified that this XXXX XXXX conect you to representatives located in XXXX  or XXXX . I try to explain to them several times and they not understand my position.As a resident of the United States paid XXXX dollars extra is not easy paid extra for changing a name, I am not a rich person we work hard to make money and pay our bills.I told those people from XXXX XXXX to conect me with customer services in the USA but nothing they can do about it. I need my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I am not the responsible party for the debt on XXXX XXXX for {$1300.00} and XXXX XXXX for {$720.00}. I keep contacting the creditor asking for Valid proof that it was me on the claim that they have put on my credit ( XXXX XXXX ) & Im not having any luck. The legal definition of verification is to be able to support the truth of the data by affidavit, which they arent doing therefore they are engaging in fraud

Company response to consumer: Closed with explanation