vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I had a to go to the ER Early one morning. My VA Doctor told me to go to XXXX XXXX for my issue. because he could not see me, he sent me with a referral from the VA to go. Everything was fine with this issue for about 6 months, and then i got a hit on my credit report from a capio partners for said medical expenses. I have VA and XXXX XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX Veteran i get full coverage. I tried to explain this to this company also the VA has called them and sent them letters saying They will pay it. The company is still insisting that i have to pay for these expenses. I have 2 different collection on my credit from this now. This company is horrible to talk to, and will not understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XX/XX/2019 I was emailed saying someone sent me roughly {$590.00} through XXXX/chasepay. 

I wasn't aware that someone owed me money but whatever. 2 hours later I tried to log into my account to see if it was a mistake and that's when I noticed I couldn't log into my bank from mobile or from desktop. 

XX/XX/2019 roughly XXXX I called Chase bank to restore my access. They informed me that they froze my assets and my account because someone sent a fraudulent XXXX to my account. I advised them immediately that I don't know the person or the amount, yet they still kept my account frozen over a XXXX transfer. They said the need to investigate, but that department is closed till Monday. Since this happened on a Friday, they have kept my account frozen over the weekend and probably wont investigate till Monday and probably wont unfreeze my account till who knows when. I HAVE NO CASH AND NO MONEY TO BUY FOOD AND I AM STARVING. I never would have though that my account would be frozen otherwise I would have kept cash at home so I could buy food. Chase should not be allowed to randomly freeze peoples accounts when they DID NOTHING WRONG. Especially since in the terms for using XXXX, it says you can't chargeback a transfer, and yet, apparently you can. Clearly some scammer is messing with me. I have over {$7000.00} in my account and they froze it all over a {$590.00}. I get it, freeze or take the XXXX XXXX, but they should have ZERO rights to freeze my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Denied credit by XXXX XXXX MC ref. # : XXXX based on 4 different reasons & " NO SCORE Available '' from XXXX ! I couldn't get  logged online at XXXX, so I then called XXXX spoke with two repres., a supervisor from the XXXX  , got nowhere, asked for a US supervisor got XXXX in XXXX  ID number XXXX who was difficult, sarcastic, and uncooperative. He asked me to read the XXXX letter to him over the phone. I filed a complaint with XXXX because his supervisor he said was at corporate HQ only! After being frustrated by his lack of cooperation & smug attitude I simply requested a copy of my report to be sent to me. I then went online to Experian, logged on without a problem, noticed that the info on me was wrong, incomplete, & misleading! The disputes I had made with them previously were confusing, incomplete, and Wrong! There were NO OPINIONS On their website to follow up and request corrections! My Employment at XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, are ALL Missing! A credit dispute with XXXX appeared as Deleted without the $ 10,000+ business paid them. I can go on! So I just requested a report to be mailed to me. They all are slanting info I favor of THEIR CUSTOMERS NO WE THE CONSUMER! We have to play and get sucked into their compound interest current credit/monthly payment game to get a higher score just so they make money! 50 years of great credit doesnt matter! Ah, I see you were 30 Days Late 5 years ago! Yeh but I was T-boned by a XXXX XXXX XXXX who XXXX and nearly XXXX   XXXX, XXXX XXXX. Refused to pay me a dime! Im XXXX XXXX XXXX now, spend XXXX XXXX of my life in bed, in pain, on   XXXX, and cant sleep! Im having to fight with these credit bureaus again and again Until they get it right? Instead of bombarding Us with their latest marketing make money schemes, get it Right, cuz This is WRONG!!! 
Im contacting my Senator XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX! Hopefully they arent too busy trying to Impeach the White House to get anything we need accomplished! This is WRONG!!!

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 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I logged into my CashApp I started looking through the transactions bc I noticed balance was not correct. I discovered that I had been charged several times for a service from a telecommunications company. I called them to try and get resolved. After an extended time waiting they acknowledged that the funds from my account went to pay someone elses service, however since I was not on that account I could not request it be backed out or refunded to me. They asked I contact my card issuer which I did immediately. The amounts are as follows {$130.00} on XX/XX/XXXX / {$8.00} on XX/XX/XXXX / {$42.00} on XX/XX/XXXX / {$460.00} on XX/XX/XXXX After several days and emails asking me to contact the merchant even though I has already expressed that I had and they referred me to them. And having to send ALL info 2 additional times as well as canceling my card even though I had notified them 2 times before that the charges were made on a previous card I had. So that they wouldnt cancel the one I had just gotten and gave to wait for another one ... they still cancelled my current card. A week later I was contacted by a rep named XXXX who said all my transactions were past the 60 day notice as required by the Terms of Service. However what he was referencing didnt apply to unauthorized transactions. Section 39 Your Liability for Unauthorized Transactions states in part Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. no mention of 60 days. Even if 60 days whats the case we dont get a monthly statement or anything providing us our purchases or unauthorized transactions as we do for regular bank so if I dont go into the mobile app I dont know that the transactions happened so I think its a little unfair that they bring that up as a excuse to allow me to lose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have 2 collections on my credit report that I would like removed. Requested TO CMRE FINANCIAL SERVICES by certified mail with no RETURN response to send me information as listed in this message. 

CMRE FINANCIAL SERVICES claims my medical bills were not paid. Medical Insurance paid this claim. I am on medicare and have met my deductible with no additional copay needed. 

CMRE FINANCIAL SERVICES claims I own on 2 collection accounts for the sums of {$1300.00} on XX/XX/XXXX and {$590.00} on XX/XX/XXXX totaling {$1900.00}. 

Sent letter to CMRE FINANCIAL SERVICES certified mail demanding information as listed below..

CMRE FINANCIAL SERVICES C/O XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, CA. XXXX ( XXXX XXXX XXXX Re : Acct No. XXXX To Whom It May Concern : I am writing this letter in response to the credit collection and follow up letter received from you on XX/XX/XXXX and phone call made to you on XX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation, to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I had a 2011 XXXX XXXX XXXX financed with Santander Consumer USA. I originally took out the loan, in XXXX. I have been paying on the loan every since. The original loan amount was approx XXXX. It had been XXXX until now XXXX and I still had a loan balance of approx XXXX. My payment were originally XXXX monthly The moved to XXXX after the hurricane devastation. I requested a running billing statement several times but never received it. The vehicle had electrical trouble and would be her costly to fix. I requested extensions on payment to fix but was denied. I then sent in a certified return letter which was received as I have confirmation to voluntary surrender the vehicle. Santander then picked up the car but later contacted me stating they were listing as a regular involuntary surrender. As I did not call them. The certified letter is not the correct was to do it. This is even when their representative is the one who gave me the address to send it to. A few weeks later I received a letter stating the balance on the car owed was approx XXXX it was sold for approx XXXX and I owed approx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
After the unauthorized payments were reversed on my account, the credit card company charged two return payment fees of {$25.00}. These fees should not have been charged to my account due to the representatives submitting unauthorized payments. I thought this issue was resolved, but now that I finally have access to my statements on my account, I can see that I was charged two returned payment fees. These fees show up on the XX/XX/2019 statement. In addition to this issue, everytime I call in I am provided the wrong information about my account. As if today XX/XX/19, I have spoken to 5 different representatives. I should not have to speak with this many reps or receive poor customer service. The representatives fail to document my account correctly and this seems to have been the issue that happened XX/XX/2019 I would like for my account to be adjusted with the removal of the two {$25.00} returned payment fees that resulted in unauthorized payments in XX/XX/2019.

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 2019-06-01 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: CL Holdings LLC
State: SC

Complaint narrative:
My complaint is with XXXX XXXX and jefferson capital system a debt collector. # 1 on XX/XX/2019 i like i do several times a month for the past two years logged on to check my credit score. When i checked my score i see these guys jefferson capital systems have a collection on my report from a old XXXX bill that # 2 should have never been on my report since prior to all this XXXX XXXX XXXX bought me out of my contract with XXXX. Since then though do to a lay off / rehire reason my score originally dropped i have hired XXXX XXXX which im not to pleased with these guys timing and efforts either but nonetheless they did have this false information removed off my report for id say a year or little less until XX/XX/2019. So how is it that any of this is possible to begin with then after its removed just how do you think its right to come back to ruin someones credit a year later. I have disputed this and honestly im sick of dealing with all this when i admit i maxed out some cards due to a lay-off because of being holidays and childrens bdays but ive not in no way ran up a XXXX $ fee with these guys for it to be on my report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018, {$2900.00} was transferred ( via EFT ) from an account at XXXX XXXX XXXX to my Citi Mastercard account ( at that time ending in XXXX ; now ending in XXXX ). This money was transferred to me by the owner of the XXXX XXXX XXXX account for two purposes. First, these funds were to be used by me to purchase equipment using my Citi Mastercard. This equipment was to be sent by me to a company address that the XXXX XXXX XXXX account owner would forward to me at a later date. Second, part of this money was compensation to me for consulting services provided to the owner of the XXXX XXXX XXXX account. After receiving the EFT, I purchased two XXXX XXXX, as requested to the owner of the XXXX XXXX XXXX account. All of the details regarding this transaction are documented in several emails between the XXXX XXXX XXXX account owner and me.

These funds were in my Citi Mastercard account for approximately two months. Then, on XX/XX/2018, Citi sent my money back to the XXXX XXXX XXXX account without contacting me first, and, obviously, without getting my approval.

On several occasions ( in writing and on the phone ), I have asked Citi why they sent my money back to this account without contacting me. Citi has never given me an answer to this simple question. By sending my money back to the XXXX XXXX XXXX account, Citi basically helped to facilitate a scam. Or, put another way, if Citi had not just sent my money back to the XXXX XXXX XXXX account, this scam could not have been completed.

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 2019-06-01 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 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 canceling credit monitoring or identify theft protection service
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM HYUNDAI MOTOR FINANCE. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Today I tried to temporarily unfreeze my account. I gave the representative my ten digit pin and answered a barrage of questions about my present and past loans, as well as ss #, dob, and address. I was told I did not pass the verification of my identity, and would have to wait 5 to 7 business days after submitting a copy of my ss # and driver 's license via fax to get a response. This is untenable for a business that builds their business revenue model around rapid access to employee info. and suggests more of an XXXX attitude to the general public who do not have to pay for this service. I needed access to my credit report ASAP and what I got was beaureaucratic subterfuge. Suggests to me that Equifax does not care what we think and will hide behind the screen of " protecting credit information '' in order to drag its feet. This is the era of 1 to 2 seconds. Why is it taking 5 - 7 days. Why any waiting time to access my information when I answered all of the questions factually?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TU FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?

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 2019-06-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Filed a dispute with Equifax they claimed to have done a investigation and found that company XXXX XXXX has complied with all FCRA requirements. 

Asked Equifax and XXXX XXXX  for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
They failed to provide me with any documentation bearing my signature, showing the account is being reported accurately or any copies of HIPAA authorization. An itemized document was send to me that does not match any amount billed for my hospital visit and even the name of the supposed original creditor was misspelled I have also verified with the hospital that my account is current and in good standing. I feel as though several violations have occurred here : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Given all the complaints on XXXX about this company, this appears to be a scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX XXXX. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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 — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Filed a dispute with XXXX they claimed to have done a investigation and found that company portfolio recovery has complied with all FCRA requirements. 

Asked XXXX and portfolio recovery for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?

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