vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I received a debt collection notice from Sunrise Credit Services ( XXXX ) for XXXX Accout # : XXXX collecting debt for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the amount of {$260.00}. 

I dispute this debt, I dispute any amounts owing to XXXX XXXXXXXX XXXX  XXXX. I have not used their services nor engaged in the services or business. I do not owe money to Sunrise Credit or XXXX as I have not used either business. 

Please void this claim as it is not valid nor was any proof provided by either Sunrise Credit Services or XXXX XXXX XXXX evidencing this false claim. 

Sunrise did not substantiate this claim nor did they provide any written proof. 

Further, when I called Sunrise Credit XX/XX/XXXX at XXXX to dispute this a Sunrise Credit Services representative asked me to verify a XXXX telephone number which is not mine and proves you have the wrong person for this debt.

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 2019-04-03 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:
There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XX/XX/2017 2. XXXX  XXXX XX/XX/2017 3. XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 I have attached my FTC report and three forms of ID also.

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 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
The name of the company. 

XX/XX/2018 debt amount XXXX. They are unable to validate the debt. They are unable to provide proof that the debt is mine. 

The address is XXXX XXXX XXXX XXXX, PA XXXX THE ABILITY RECOVERY SERVI 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 explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loans are serviced through Navient. I have been on the REPAYE program for 2 years. I receive all of my correspondence from Navient through email including a debit warning and payment confirmation every month. I did not receive a notice about my annual renewal for REPAYE and missed the deadline to recertify by 2 days. There was a single notification in the Navient Inbox with all of the payment confirmations that I get by email but this one was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an XXXX. One of my areas of practice ( XXXX  ) has lost clients due to the XXXX XXXX on LEGAL XXXX. I called Chase by phone on or about XX/XX/2018 to let them know I was experiencing financial problems due to this situation. I was told by a Chase rep by phone that the credit card is a business account and a lateness would NOT appear on my personal report. I made a late payment in XX/XX/XXXX and XX/XX/2018. I called Chase credit reporting dept when i discovered my credit report showed a delinquent status. They stated that they reviewed the " call '' disputed my statement. I have been licensed to practice XXXX  for 17 years and I have a reputation for truth telling and have not been convicted or charged with any crime or act dealing with untruths. I have no reason to not tell the truth about this matter. Chase Bank is being dishonest. I request that my late status be deleted from all 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
I have received numerous letters and phone calls from Ad Astra Recovery Services regarding a debt that I do not owe. The letters say that I am seriously delinquent on an installment bankline loan with XXXX XXXX. I have never taken a commercial loan, nor have I ever had any dealings with XXXX XXXX. 

I spoke with a representative of XXXX XXXX and told them that I do not owe this debt. Nevertheless, they have continued to send me harassing letters threatening to hurt my credit. The letters state, falsely, that since you failed to respond ... we are now proceeding under the assumption that the debt is valid. They say that if I dont pay {$3500.00}, they will hurt my credit. 

Please help me stop these harassing an unfounded communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX made a charge for {$520.00}. 

On XX/XX/XXXX, I filed a dispute with Wells Fargo for the amount of {$520.00} The merchant failed to complete the service for a XXXX XXXX. 

Wells Fargo Requested paper work that we were using another Dentist to complete the work since XXXX  XXXX XXXX XXXX would not complete the XXXX XXXX unless paper work was signed giving up the right to seek legal action based on their medical opinion. 

Paperwork was submitted to Wells Fargo as requested. 

Wells Fargo sided with the merchant even though the service was not completed. 

The Charges were added to my card again on XX/XX/XXXX Wells Fargo Case Number 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 explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
The name of the company is FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX They are saying I owe them {$1000.00} I have request for validation. They have refused to provide debt validation. They do not have my authorization accepting any form of agreement obligating me to 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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Did dispute with XXXX  and Equifax on XX/XX/XXXX requesting that my current mortgage show as current mortgage since XXXX to present and that my payments and on time at that show on report. As of now it shows the mortgage was closed and XXXX balance which isnt correct. On XX/XX/XXXX both companies reported on my report a new bankruptcy found on XX/XX/XXXX and that my mortgage was included in my XXXX bankruptcy which is not true! I have now today filed another dispute asking a 2nd bankruptcy found yesterday to be removed. So not only did my original dispute not get fixed but the credit agencies both made it worst by adding false info and not fixing the initial issue. Also everyone Ive spoken with for both agencies having called over 15 times Have English as their second language even both supervisors I spoke with making it very difficult to have a meaningful understanding in solving a dispute. Do Americans not get job offers from the agencies who hold our credit worthiness in their hands? This is simply not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: NM

Complaint narrative:
Experian and XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2019-04-03 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: NM

Complaint narrative:
XXXX and Equifax are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-03 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, and XXXX XXXX XXXX, {$7500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In XXXX of XXXX Chase sold my mortgage to XXXX. Chase reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. Chase received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. Chase did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. Chase is discriminating based on another entity paying the loan. IF I had directly paid the loan off, Chase representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to Chase. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where Chase transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still Chase shows as transferred to another office, and my report continues to be impacted by the creditor Chase not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by Chase and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hello I had a american express card since XXXX they unfairly canceled my card on XX/XX/XXXX i was charged a yearly fee on XX/XX/XXXX of XXXX Now with the cancellation of the card by the merchant i am entitled for a refund of the yearly membership fee for the 10 months they cancelled Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-04-03 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:
Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX XX/XX/2017 thanks these are the remainder of identity theft items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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:
Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX   XX/XX/2017 thanks these are the remainder of identity theft items

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 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
SOMEONE OPEN UP A XXXX XXXX ACCOUNT IN MY NAME, I NEVER HEARD OF THIS COMPANY I FINALLY DID A XXXX SEARCH AND IT APPEARS TO BE A WOMAN STORE, CATALOG. I NEED PROOF TO VERIFY AND SHOW THIS IS NOT MY ACCOUNT. WHOEVER CALLED IT IN HAD TO BE A FEMALE AND THE ADDRESS IT WAS SENT TO .AND ANY FORM OF PAYMENT THAT WAS USE TO MAKE PAYMENTS. I DID NOT OPEN THIS ACCOUNT UP NOR DID I AUTHORIZE ANYONE TO USE MY NAME AND INFORMATION.SOMEONE STOLE MY INFO AND ORDERED IN MY NAME, I AM ASKING FOR MORE INFO OR PROOF TO SHOW THIS IS MY DEBT OR REMOVE FROM MY CREDIT REPORT. I HAVE BEEN XXXX FROM XX/XX/XXXX TO XX/XX/XXXX IN ALABAMA XXXX  XXXX XXXX PLEASE FEEL FREE TO VERIFY. WITH XXXX .PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XX/XX/XXXX XXXX sold my mortgage to XXXX. XXXX reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. XXXX received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. XXXX did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. XXXX is discriminating based on another entity paying the loan. IF I had directly paid the loan off, XXXX representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to XXXX. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where XXXX transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still XXXX shows as transferred to another office, and my report continues to be impacted by the creditor XXXX not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by XXXX and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.

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 2019-04-03 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: U.S. BANCORP
State: CA

Complaint narrative:
I received a letter from Fedility and invite me to open their Fedility rewards credit card. The letter said if I spend {$1500.00} in eligible net purchases within 90 days of account opening and will earn {$150.00} cash back.

I did what they requested however still do not see the {$150.00} cash back ever been paid. I contacted their customer service couple time but never get a response when I will receive the bonus.

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 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
BACK IN XX/XX/XXXX OR XX/XX/XXXX I WAS A VICTIM OF A ROBBERY I WAS BEATEN AND ROBBED AND MY XXXX  WAS BROKEN. I WENT TO DR.XXXX XXXX BECAUSE MY XXXX WAS BROKEN. IN THE PROCESS I WENT ANDAPPLIED FOR MEDICAID, I ADVISED THE STAFF AT THE DR. OFFICE THAT I HAD NEVADA MEDICAID. THE MEDICAID WAS NEVER FILED BY DR. XXXX OFFICE AND AND THEY SENT ME A BILL. MEDICAID ADVISED THEY COULD HAVE FILED RETRO BACK PAY FOR SERVICES RENDERED I CALLED DR XXXX XXXX OFFICE AND WAS TOLD I WAS IN COLLECTIONS. I AM DISPUTING THIS DEBT AND WANT IT REMOVED FROM ALL 3 CREDIT REPORTS. ASAP. ALLIED COLLECTIONS AGENCY NOW HAS THE ACCOUNT IN COLLECTIONS. PLEASE REMOVE FROM MY CREDIT FILE ALL 3

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