vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( XXXX ). Although the account is closed I have not received written confirmation from XXXX XXXX XXXX .I would also like the know the charges that incurred with the fraudulent card.

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
At XXXX on XX/XX/2019 I received a text message from the number : XXXX It stated : " Chase Fraud Alert : Did you just try to charge {$340.00} at XXXX XXXX store? if YES ignore, if NO update account contact information and request a replacement card on Chase.comXXXX '' I DO NOT have a Chase account. I have never had a Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had a credit card with American Express in XXXX. American Express was debiting my account for payments each month. Without notice, i received a letter from their collection agency stating my account was being handled by their collection department and i had no recourse but to pay the full amount i owed or they are taking me to court. 
After extensive research, i found my rights were violated and American Express used phone calls to threaten me if this debt was not paid in full within a matter of 30 days. 

The debt was handled by an outside collection agency hired by American Express XXXX XXXX  and they filed a civil suit against me in the City Of XXXX XXXX  on XXXX Index number XXXX. 
The attorney representing American Express was XXXX XXXX XXXX Esq. Mail Code XXXX XXXX, NY XXXX. Phone Number : XXXX. 
Due to me not able to retain an attorney or afford one, i had no option but to take their calls. I finally had to settle with the American Express collection agency. 
Later i also found out that American Express did not handle the collection process and it was being handled by an outside agency. 
I would like to see what would be my recourse and if i would also be able to file a complain against the attorney who was constantly calling me with the New York State Bar Association.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDIT COLLECTION SERVICE XXXX I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CREDIT COLLECTION SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT COLLECTION SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT COLLECTION SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CMRE I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CMRE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is HRRG I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. HRRG is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am a service member been on XXXX XXXX since XX/XX/XXXX. I financed a vehicle from XXXX XXXX XXXX through Capital One Auto on XX/XX/XXXX for {$21000.00}. The vehicle ( XXXX XXXX XXXX  ) was valued for nearly half that price but I was in need of a reliable car to get to my duty location so I agreed to the sale with a monthly payment of {$570.00}. 
One year later XX/XX/XXXX, I logged into my Capital One Auto account ( XXXX ) thinking that my loan should be substantially paid down, only to find out that for the last 12 months my loan balance was still over {$20000.00}. I immediately called Capital One and requested a review of all my payments and they explained that " all my payments were uptodate and applied to the interest of 24 % and that's the way the loan should have been explained by the dealership and they have nothing to do with that process ''. 

I explained to Capital One that my initial understanding was that the price included the interest since the vehicle had a value significantly less than the quoted price, at least thats how the dealer sold me on the purchase, and that's when I ask if as a servicemember, I could use the SCRA since I'm currently on XXXX XXXX and recently PCS ; they Capital One instructed me to send them a copy of my military orders. I sent them a copy but was denied and was told that I took out the loan after entering XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 
Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX form XXXX XXXX XXXX at XXXX  for {$31000.00}. On the same day Wells Fargo Dealer Services was named assignee. On or about XX/XX/XXXX i asked Wells Fargo Dealer Services to remove there name off of my title and off my Credit. Wells Fargo Dealer Services refused to remove their name and form XX/XX/XXXX threaten me to make payments. And when i did not make payments they repossessed my vehicle. Well Fargo Dealer Services did not ever give me a loan or finance any thing for me. I asked Wells Fargo Dealer Services repeatedly to stop harassing me to make a payments that they did not earn or for Services i did not ask for.

Well Fargo Dealer Services have collected over XXXX form me by intimidating and threaten to deprived of property. 

On XX/XX/XXXX Wells Fargo issued a reimbursement check of {$4500.00} to me and proposal that Wells Fargo an additional {$300000.00}.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I signed up with Capital One for a secured credit card in XX/XX/XXXX under the terms that after 12 months of on time payments, the card would be upgraded to unsecured and I would receive my security deposit back. 
I have been calling since XX/XX/XXXX and they keep telling me there's nothing they can do. They told me to apply for a new card ( which would damage my credit that I have worked so hard to build ) they also said tonight that at the time I signed up there was that offer but right now that offer doesn't exist.. so nothing I can do except close it to get my deposit back. They completely mislead me. Had i known this I NEVER would have signed up. I just want to be upgraded as I was promised and my deposit {$500.00} returned. My balance right now is XXXX which will be paid Tuesday. It is wrong for a lender to do this to people. Please help.. my credit is very important to me as I work very hard to maintain my status. Thank you, kindly. This issue with Capital One should not even be an issue. It's not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: WY

Complaint narrative:
This was agreed to be removed once account was paid in full which it was. I had an emergency fire to deal with and unable to turn on autopay at this time. Otherwise all other times I paid in full. 

I would appreciate this be removed on XXXX, XXXX, and XXXX. Thank you

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 2019-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 while on vacation to XXXX XXXX  XXXX, myself and three relatives ate a late lunch at XXXX XXXX, XXXX XXXX location. After receiving the check and putting my CapitalOne credit card in the restaurant 's check holder, I went to the ladies room. When I returned after a long wait in line for the ladies room, I saw that my party was gone and rushed off to join them outside. I forgot to check the table for my paid receipt and to retrieve my Capital One credit card. 

I became aware that I did not have my credit card within a day or two and immediately reported it to Capital One. I went over the XX/XX/XXXX fradulent charges with Capital One as they let me know the charges they had received. All charges on XX/XX/XXXX with one charge of {$17.00} from XX/XX/XXXX are fradulent totaling {$1400.00}. Capital One XXXX # : XXXX credit card ending in XXXX ( I do not know entire # since care stolen ). 

I did not file a Police Report since I felt assured that CapitalOne would not require that I pay for charges I did not make. I received a letter from Capital One stating that their investigation was done and that they found the charges to not be fraudulent ( attached ). 

I made a call to Capital One and was connected to the Supervisor over their Fraud Department, XXXX ( who refused to give his last name ). I told him that all charges from XX/XX/XXXX were fraudulent, that I did not have my card as of XX/XX/XXXX when it was stolen. He said he was as high up in the company that I can go, and there is nothing more that can be done. I asked to speak with the CEO. He said he would report my complaint, but would not give me the CEO 's his/her name, saying I could look it up on the internet. I found XXXX XXXX | Capital One | Email XXXX CFO. and have copied him on this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute to Equifax through certified mail and answered back on XX/XX/2019 with a statement saying that they could not locate my credit file even though i sent all required information and copies of SSN and Driver 's License. And on another line said that i supposedly sent them a " XXXX XXXX Only card '' when i clearly sent them a huge XXXX color copy. Then i sent them an even bigger copy of my XXXX and came back on XX/XX/2019 saying that the documents provided were illegible even-though i sent them the same documents with a bigger copy. So first they couldn't find my file and then they couldn't read my documents even though everything is typed and copies clearly visible. They are Obviously trying to violate my right as a consumer to investigate information on my credit file. They are wasting my time and money with ridiculous and petty actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal advertisement claims that it sends money to XXXX, so on XX/XX/2019, I sent {$50000.00} to a person in great need due to an emergency. 
The person was unable to retrieve the money, his bank XXXX did not work with PayPal. 
I called Paypal several occasions asking how this money could be received. When able to receive a call back the worker could not understand or give me an answer. 
Now 11 days later the money is returned to me and Paypal is charging me a fee of US {$22.00}, so charging me for their mistake. I have not accepted this incomplete money. I want to proceed with a claim. Paypal needs to stop its misleading advertisement, and pay for the pain and suffering that this event cause to myself and the family in XXXX. 
Cordially, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a B of A mortgage which has never been late in 10 years, i sold the property. Escrow and myself contacted b of a on recorded lines 5 times to inquire should i send the payment before the XXXX because escrow was going to close on the XXXX and money would then need to be sent back because the payoff would over pay the balance. 3 b of a employee 's ensured o would not get a late payment as long as the payoff took place within ten days after the XXXX. The payoff took plae 6 days after the XXXX and i was assessed a late payment one month later.

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 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
All of my autopay from my Credit Card were cancelled without prior notification while I was still waiting from the agent at the bank to resolve my case.

Company response to consumer: Closed with monetary relief