vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I paid this debt XXXX of 2019 for XXXX dollars in full. This company never send me any information to my address. I never got any bill. I was only conscious of this bill when it opened up on my credit report. I then contacted the creditors with the info from my credit report. I never received any notice. When asked what address they have. It was a incorrect address that I no longer lived at. They also stated sorry we wont be removing anything off your credit even thought you paid it due to you not paying on time. When I explained I never received a notice and I was on knowledgeable of this due to my credit report when it appeared on it. I gave proof of my correct address and ask can it be removed from my credit report due to me clearing the balance with a XXXX  balance due to me never receiving anything and not knowing anything in regards to this bill. This company illegally put a inquiry on my credit report and the representative told me that was because they was in the process of seizing my check or property which is illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: VA

Complaint narrative:
XX/XX/XXXX I Financed brandnew XXXX XXXX with VOLKSWAGEN CREDIT  Sold it to XXXX in XX/XX/XXXX. 

two years later it appeared on my credit with a {$8000.00} balance out of the blue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
please see the attached for a detailed account of what I experienced. Amex forced me into arbitration ( this time via messaging -- > please check the records, I will also be subpoenaing to obtain this information, as I requested a record of the chat, and I have not received any such copy/transcript as of my writing this comment ). In a nutshell, Amex XXXX my credit score and now keeps repeatedly forcing me into arbitrations/to pay them money when it isn't due or they wont approve my purchases ( which I need to make to pay them ). They have done this to me three months in a row now. The fact that I'm not homeless is a small miracle ; and, honestly, it is a testament to how strong my support system is - both my friends and family members. I couldn't have asked for a more amazing base. And I've needed it with everything Amex has put me through. I am a genius ( literally ), and, if Amex had their way, instead of contributing to science and helping humanity, I'd be dead, in jail, or homeless specifically because of their actions. If I did not get lucky by happening to have people in my life willing to support me, this is what would have happened. No question. And the fact that it has happened three months in a row is not only INCREDIBLY criminal ( and in violation of SEC Ethics and International banking regulations ), I feel this is purposeful negligence. They know that they have wronged me, and they also know that I'm still in a precarious position. What better way to get rid of a potential lawsuit than by bankrupting the prosecution and illegibly forcing them into insolvency. Because that is what is currently happening. And despite their best attempts, I am wealthier than I have ever been ( please see the attached ), and I will be using my newfound wealth to make sure Amex sees repercussions. I was going to allocate {$50000.00} to pay off my student loans ; however, that can wait ( /s ) - I have a better use for that money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: FL

Complaint narrative:
We need to get our account corrected by this mortgage company and for you all to find out what you did with the mortgage payment you all took from us but you all are saying we are behind which we are not behind and we need all the late charges credited back to us and if you sent to correction we need you all to correct your mistakes. We have been trying to get this corrected now for months and your company refuses to fix it. We have paid on time for XXXX, paid XXXX, and paid XXXX. They all took XXXX from us and never applied it to our account. We need all late charges payments credited back to us. That is not our fault but your companies fault and we have been told many times that this will be resolved but still nothing have been done to this day ( since XX/XX/XXXX ). If this doesn't get resolved in 1 week. We are completely not statified with this company. The fact that we have sent them proof and 3 months later still nothing. And your company refuses to respond to emails and phone calls. Instead they have taken money from us, put it somewhere and they want us to pay more than we should. We feel like this company is a fraud. We have a VA loan with them, which we will be contacting the VA for assistance in regards to this issue. We have called and emailed more than 50 times with no responses back from this company. Not ethical business practices with a retired XXXX. We have sent all bank statements showing payments were taken : XXXX : paid on XX/XX/XXXX XXXX : paid on XX/XX/XXXX in the amount of XXXX ( to cover both months because you all lost our XXXX check we mailed to you on XX/XX/XXXX so I just ended up paying both on XX/XX/XXXX XXXX '' Paid in full on XX/XX/XXXX in amount if XXXX XXXX : paid XX/XX/XXXX XXXX XXXX : paid XX/XX/XXXX XXXX Attached is all bank statements and we have all emails that we contacted them. Contacted then via phone on several occasions and customer service refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX XXXX XXXX for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted XXXX  on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX  how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and XXXX have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ABLTY RECVRY was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, 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, ABLTY RECVRY 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, which is {$1000.00} per violation and the state of FLORIDA allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ABLTY RECVRY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ABLTY RECVRY is held liable as well for defamation and in the state of FLORIDA allows for serious fines ABLTY RECVRY is not HIPAA-compliant I fail to see where AR RESOURCES is in compliance with FLORIDA LAW. ABLTY RECVRY has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. 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 2020-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously filed a complaint # XXXX and requested immediate deletion of Bankruptcy that does not belong to me : US BANKRUPTCY COURT-XXXX XXXX XXXX Number : XXXX I previously wrote you to investigate and verify this bankruptcy listed on my credit report, which you responded to as being verified. The court informed me that they do not show any record of a bankruptcy filed under my name and identification information. Further, the court does not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. It is quite clear that Experian did not verify this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). As you know, it is also a violation of the FCRA to report this type erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report. I also requested investigation with another bureau, XXXX. XXXX requested verification using XXXX XXXX XXXX which is the only legitimate alternative to asking the court for verification. I am attaching proof that XXXX performed its verification and after confirming this information was inaccurate XXXX  immediately deleted this Bankruptcy from my XXXX  report. XXXX has also verified there is no negative public record either. See attached screenshot from their website I have also placed a fraud alert on my credit report upon becoming aware of this and I have filed a police report and have provided the police report to Experian.  

I FORMALLY REQUEST IMMEDIATE DELETION of this Bankruptcy on my Experian credit report that does not belong to me : US BANKRUPTCY COURTXXXX XXXX XXXX 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 2020-05-14 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  N with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX XXXX  with a balance of {$16000.00} -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 2020-05-14 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXXXXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -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 2020-05-14 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6100.00}, {$11000.00}, {$4200.00}, {$16000.00}. 
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 ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- CLOSED ACCOUNTS -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Reference : Coinbases transfer to FRAUD SCAM Brokers : XXXX. I would like to bring your attention to a serious issue I have with Coinbasewires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXXs - the Company. The funds were transferred utilizing Coinbase   's services in the total amount of XXXX XXXX! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: GA

Complaint narrative:
XXXX XXXX LAST XXXX XXXX XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade  Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.

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 2020-05-14 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/2020 I contacted Apple Card issued by Goldman Sachs to report a dispute for a purchase made on XX/XX/2020. The goods purchased were not delivered within the agreed upon time frame and I received no response from the merchant. Goldman Sachs refused to accept my dispute.

Company response to consumer: Closed with explanation