vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Good evening, ARS is reporting a medical account on my credit that I do not owe. I reached out to them on several occasions most recently on XX/XX/2020 and XX/XX/2020. I requested a HIPPA release, detailed bill of the services rendered and statements showing explanation of amount that include what was covered by insurance. On XX/XX/2020, ARS sent me a letter simply saying they " verified '' the debt. They did not send me any documents proving how they verified it. They simply stated the account number and amount they claim. I have reached out to my insurance and no claims have been filed that insurance has not covered 100 %. ARS is reporting a debt I do not owe. I am requesting they cease their collection and delete this account from all credit reporting agencies.

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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXXXXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -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 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX XXXX XXXX However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX  about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX Portfolio Recovery Associates, LLC brought this old credit card from XXXXXXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also Portfolio Recovery Associates, LLC posing as XXXX XXXX XXXX  ( XXXX ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, XXXX posing XXXX  XXXX ( XXXX ) ; we are currently in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  NA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: TX

Complaint narrative:
Hi there, I opened a Amex blue cash credit card about 2months ago ( XX/XX/2020 ), and spent over {$1000.00} for earning {$350.00} [ {$150.00} + {$200.00} ( XXXX ) ] bonus. My friend referred me for this card, she got her bonus very quickly. However its been more than 8 weeks now, I havent received any bonus from Amex, I contacted the customer service 3 times. The last two times, Amex representative told me that I am totally qualified for the bonus since I have already spent over {$1000.00} on XXXX. Unfortunately, some people can get bonus right away, some people has to wait for it up to 8 weeks, and I suppose to get the {$150.00} opening card bonus before my first statement which is I did not. I defiantly this situation is unfair to users like me, but I choose to wait and paid off my first bill statement. After 8 weeks I still get nothing, so I had to call them again. However this time Amex representative said their system showed I am not qualified to those bonus. ( put me on hold for mins ) He asked me to find a paper and pen to write down a code and wait for another 3 weeks for the result. I didn't feel satisfied with this solution. So I asked to speak with his supervisor, ( put me on hold again for mins ) but the supervisor rejected to talk at all. And then I asked the representative to help me file a complaint ( put me on hold again ). The representative said his supervisor asked him to give me an address to mail a letter. The phone call took so long but my problem was not solved. I can't believe nowadays there is no way people can contact Amex online. And the supervisor totally rejected to communicate with me. I guess their attitude was not positive and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 XX/XX/XXXX and 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 outlining 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.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-09-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 XX/XX/XXXX and 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 outlining 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.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I finally got my unemployment checks from the pandemic. I was excited to open an account and use the money I so urgently needed. Once I try to transfer the money to an external account ... .they LOCK ME OUT OF MY ACCOUNT. No I am back at broke and 0retty much homeless now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for Captial One USA . However, Capital One sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as Capital One legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. 
( 1 ) XXXX SC XXXX XXXX XXXX XXXX, XXXX brought this old credit card from XXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also XXXX XXXX XXXX, XXXX posing as Capital One Bank ( USA ) ; we currently in dispute ( 3 ) XXXX SC XXXX This is XXXX XXXX XXXX, PA posing Capital One ( USA ) ; we are currently in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX   XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 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 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 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 2020-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 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 2020-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I had three XXXX County, FL court dates in XXXX regarding old credit card debt. These accounts were purchased by a third- party collections agencies who posed as legal representatives for XXXX XXXX USA . However, XXXX XXXX sold the two credit card debts, as stated on my XXXX XXXX account. I went to court several times about this matter, filed motions to dismiss because the collections agencies were misrepresenting/posing as XXXX XXXX legal counsels, and was fighting the cases. Then the courts were shut down in mid-XXXX  XXXX ; with pending court dates. All civil cases are suspended until further notice due to COVID-19. A few days ago ; the collections agencies made new reportings to XXXX about the XXXX & XXXX credit card debt. They changed the last payment date that has/would re-set the statute of limitations of five years. I have filed dispute claims. I am requesting to file a complaint with this agency about the unethical tactics. ( 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX brought this old credit card from XXXX ; this is a current dispute ( 2 ) XXXX CC XXXX This is also XXXX XXXX XXXX, XXXX posing as XXXX   XXXX XXXX  ( USA ) ; we currently in dispute ( 3 ) XXXX XXXX  XXXX This is Debski & Associates, PA posing XXXX  XXXX ( USA ) ; we are currently in dispute

Company response to consumer: Closed with explanation