vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I received a letter dated XX/XX/XXXX informing me that an account, # XXXX opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX, was transferred to XXXX XXXX XXXX XXXX XXXX. The account number at MCM is XXXX, and the amount they are seeking to collect is {$170.00}. I have never opened an account at XXXX XXXX. I called the telephone number provided in the collection letter and asked to talk to XXXX XXXX, the gentleman who signed the letter and was told by the person who answered the phone that his name was not familiar to her and she could not contact him or transfer my call to him. At the suggestion of the office of the Attorney General, Commonwealth of Massachusetts, I contacted the credit bureau and learned that an account was opened in my name at XXXX XXXX and handled by XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and learned that an account was opened in XX/XX/XXXX with an address of XXXX XXXX XXXX XXXX, XXXX, MA XXXX. My address since XX/XX/XXXX has been XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I received no invoices for the charges from XXXXXXXX XXXX at my XXXX, MA address. The first indication of an account was the letter I received from XXXX XXXX XXXX XXXX XXXX in XXXX of this year. Upon further investigation I learnt that the account was charged off by XXXX XXXX in XXXX of this year and sold to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX referred the matter to their Fraud Department and I also asked the credit bureaus to place security alerts to my credit files. The Attorney General 's office also suggested filing a report with the Federal Trade Commission which I did. The FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX took control of property XXXX XXXX XXXX XXXX WA XXXX on XX/XX/2014. The assumption that XXXX XXXX was the management company and the owner XXXX/XXXX XXXX XXXX was false. They barely negotiated a new lease for me, when the other company went and disappeared. Inside of one year later they were building a case, to file a eviction lawsuit against me. By the way I have no eviction record ever in any state that I lived in. I was having problem paying the rent because I was in graduate school which they encouraged residents on campus by waiving the application fee and the security deposit. I was also an employee of the University  of XXXX  XXXX until the same month of the eviction lawsuit and I got fired. I was XXXX years old when the new lease began. At any rate, my complaint consists of discrimination due to XXXX placard on my car, age discrimination as well as race, I am XXXX XXXX. XXXX XXXX XXXX proudly dragged me through court for XXXX of which they literally would not take when I offered it to them in a money order. I had to deposit it in my bank account which I can prove. The judge awareded them XXXX plus attorneys fees that's all and they have XXXX and XXXX combined on my credit report. I have never spoken with anyone at the agency that I recall. I have seem numerous complaints about them from the XXXX. I am offering this complaint as blatant and unbelievable that it is. I have been homeless for 3 years due to this and I am now XXXX years old. This is shameful to do for XXXX dollars which they would not take.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied and was approved for the American Express Business Platinum XXXX point offer via a mailing offer for my XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I met both terms within the directed time period and was awarded the points. 

I applied and was approved for another American Express XXXX XXXX XXXX point offer via a mailing offer for my XXXX XXXX XXXX on XX/XX/XXXX. The offer terms dictated that in order to earn the bonus, I must spend $ XXXX in the first 3 months to earn XXXX Membership Rewards and another $ XXXX in the same 3 months to earn an additional XXXX Membership Rewards. I meant both terms within the directed time period and was awarded the points. The offer terms are attached. 

At the end of XX/XX/XXXX, American Express conducted a financial review and stated that because I previously had an American Express XXXX XXXX XXXX, I was ineligible for the second and third bonus I was awarded and they redacted the XXXX points I earned. No where in my offer terms for the mailing offers I signed up with did it include a " once in a lifetime '' award term. American Express refuses to review the offer terms I scanned that were included in the mailing offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on Equifax. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 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: NJ

Complaint narrative:
I have written and called several times when I noticed several fraud accounts on my credit report. right now they are only showing on XXXX. I have sent in my ID Driver License with My Social Security Card. as PROOF OF ME. 

PLEASE HELP THIS IS RUINING MY LIFE.

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 2018-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This company Credit Systems Intl is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
This company is on my credit report for a XXXX bill that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report.  On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX  hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Incorrect information on My report, XXXX XXXX reports dept of XXXX I never had a account with these people,

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 2018-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is on my credit report for a medical bill that I do not recognize. On XX/XX/XXXX I  sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX, XXXX & XXXX and the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Collector contacted me after XXXX on sunday XX/XX/XXXX at XXXXXXXX XXXX I received a call from Kohls XXXX regarding collection and I notified them they were calling illegally. This is the second occurrence. The prior incident occurred a week prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
ON XX/XX/XXXX WE WERE APPROVED FOR A LOAN THROUGH CAPITAL ONE AUTO FINANCE.The vehicle they financed had been involved in a rear end collision with 2 other vehicles.truck rear ended vehicle in front and the truck was hit from behind also. front end of truck sustained moderate damage.rear of truck minor damage to bumper. 

we come to find this out after having vehicle diagnosed for an engine problem and the truck needs a motor and is inoperable.computer diagnostics wereperformed and a thorough inspection performed.The mechanic who looked at truck found some hidden from plain sight issues and pointed them out.The after market exhaust system and fiberglass muffler were installed before the vehicle was sold to us.Mechanic said they sold you junk.It should have been reported on car fax.The car fax the dealer showed us was incomplete and missing information.The car fax I ordered XX/XX/XXXX reveals more information but does not specify extent of damage.We went to the clear vin website and ordered a report there which did gave less detailed information.i posted the truck onto XXXX XXXX and find auto check report containing clear concise damage information.car fax we ordered shows FUNCTIONAL DAMAGE REPORTED.MEANING TRUCK WAS NOT DRIVEABLE. 
the front end was busted up and quite likely why we are having problems not just with the engine, also going to use 4 wheel drive, wheel alignment- front end wheels could not be properly aligned odd.Maybe slightly bent control arm.steering wheel and driving vibration troubles.There are problems brought up when changing oil with having oil filter and oil pan problems noted. 
had the dealer been honest we would have not traded in my car or put money down nor would a lender have financed this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at Unity Health After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?

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 2018-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a fradulent purchase made with my CAPITAL ONE credit card. I tried to file a dispute, and was told that I did not provide enough evidence to have this charge reversed. XXXX XXXX XXXX fradulently used my card to order an appraisal from XXXX  XXXX XXXX, however, I never authorized this charge at all. There is nothing in documentation that indicates that I authorized this charge. This is absolute fraud. 

Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX XXXX XXXX XXXX in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?

Company response to consumer: Closed with explanation