vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: MO

Complaint narrative:
My identity has been compromised, documented, and I'm still finding myself fighting for my true identity in order to give me my accurate report. These accounts has been disputed many times, however Equifax credit agency refuse to abide by the laws of the FCRA, Section 609, Section 611, and Section 623. My next and only way to deal with this is to either a law suit and/ or file with the FTC . Equifax is reporting unverified accounts from sources without being provided physical documentation and shared with the consumer. I have demanded that Equifax provide me with the Method Of Verification inwhich it took in denying my dispute by responding account verified. Who verified these accounts, what was title and name of the employee who represented Equifax, what day and time / year did this take place. What communication devices was used, phone, fax, email, certified mail, etc. Please provide me the consumer with this information per these accounts ( # 1 ) XXXX XXXX XXXX {$920.00}, ( # 2 )  XXXX XXXX, XXXX {$730.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$26000.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, if not please block these accounts permanently and immediately. I do not have a contract with these corporations. It is not my job to contact them, Equifax is the company that's reporting items that's one sided without providing physical documentation along with The Method Of Verification used. Please block accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX # XXXX 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, XXXX XXXX XXXX  failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX 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 XXXX XXXX XXXX  is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is AMERICOLLECT # XXXX 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, AMERICOLLECT failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.  Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS AMERICOLLECT 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 AMERICOLLECT is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where AMERICOLLECT is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMERICOLLECT has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ONLINE INFORMATION SERVICES # XXXX 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, ONLINE INFORMATION SERVICES failed to give me my " XXXX '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXX under Section807 ( 1 ) ONLINE INFORMATION SERVICES 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 ONLINE INFORMATION SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where ONLINE INFORMATION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ONLINE INFORMATION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2010, my MC was charged {$2000.00} to a company called XXXX XXXX. I had never heard of this company or done business with them. I called Wells Fargo Credit Card Services and reported this fraud. They told me that I had done business with them and received services. I tried to contact such company but no such company existed. I asked them if they had a contact number and/or what services had I received. They couldn't tell me. At that time I was naive and believed what a big company told me even though I knew it wasn't true. 

Now that I know my rights I have tried to contact them again, including reporting them to CFPB in the past. ( Case numbers : XXXX and XXXX. ) I believe they think I am right, but are using the expired time limit as an excuse. I didn't expire the time. 
In fact, I reported the fraud the first time it appeared on my statement back in XX/XX/2010. 
This is their problem and they need to solve the problem without giving me excuses. I'm sorry it has taken so long but I shouldn't be punished for it. I won't even charge them interest on my money. 

I have been a long time member of this bank ( XXXX 's ) since I moved to XXXX. They need to find a way to resolve this. I won't give up and will go further down the line.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Without getting any warning, XXXX XXXX XXXX XXXX closed my account of almost 29 years. The credit card had not been used for over a year, since it is my emergency card and I havent needed to use it. 

Ive asked them to re-open the account, but I get a series of excuses. Since this was a card without a yearly service charge ( a remnant of my of job with XXXX XXXX XXXX ) and I always paid it off monthly, I suspect that this it was deemed unprofitable to keep it open.

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 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have provided proof previously stating I was exempt from LVNV Funding LLC collection and they ignored my forms and then lied claiming I didn't send them anything. After the fact the sent a summons to an old address of mine and lied stating I was served and simply didn't show. The have illegally collected exempt funds which are received from the government via school and I have proof of that. They have not told the truth in any manner and clearly lied to even garnish my exempt funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
On XX/XX/XXXX, I initially disputed a bankruptcy discharge which was reporting on my Transunion and XXXX credit reports. As a result both credit reporting agencies falsely claimed that they verified the account with the US Bankruptcy Court XXXX Michigan. On XX/XX/XXXX, I re-disputed the Bankruptcy account again with Tranunion and XXXX. As a result both credit reporting agencies falsely claimed that they verified the account a second time. At this point I decided to reach out to the Us Bankruptcy Court asking them to provide me with confirmation that their office verified the account with Transunion and XXXX. As a result the Bankruptcy Court sent me a letter in writing, which I have attached as proof to this complaint, stating that they do not report individual case filings to credit reporting agencies, nor do they update information directly to the credit bureaus. The month of XX/XX/XXXX, I sent a third dispute to both credit bureaus, with the letter from the Bankruptcy Court attached, informing them that I have proof that they falsely verified the account. I also requested for them to provide me with valid proof of how they verified, and if they failed to provide proof to immediately remove the bankruptcy account from my credit report. I understand that XXXX XXXX is the reporting agency that verifies bankruptcies and other public records. I placed a freeze on my XXXX XXXX profile as of XX/XX/XXXX, which would have made it impossible for Tranunion and XXXX to verify. The account still remains on both of my credit reports with transunion and XXXX, which has caused me mental and emotional stress, and I have not been able to obtain several financial goals due to this unverified account being on my profile. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the 317 FCRA, unverified accounts must be removed and if credit agencies are unable to provide me a copy of verifiable proof, the account must be removed. I ask that the CFPB demand this action to help me resolve this matter.

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 2019-03-21 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: MO

Complaint narrative:
My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX , I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA XXXX I'm enforcing my rights as an consumer.

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 2019-03-21 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: MO

Complaint narrative:
My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX XXXX I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA . I'm enforcing my rights as an consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
I tried to send money to bank account with XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX  XXXX ) in XXXX into my family members ' accounts via Remitly ( https : //www.remitly.com/XXXX/XXXX/XXXX ). 
Turns out, that Remitly is misleading it's customers ( potential customer in my case ) by showing on their website that they are connected to eight banks in XXXX - however my family members in XXXX confirmed and reconfirmed with all these 8 banks that none of these have anything to do with Remitly at all. 
In the past I have used other services like XXXX and XXXX to a fair bit of satisfaction and I decided to try Remitly only as this time I thought I would send money directly into bank accounts. 
It is also disturbing to find out that Remitly is working with a bank like XXXX which was fined heavily in the USA ( XXXX : XXXX ) for wrongdoings in its NY operations. 
The worst issue with all this is that my relatives were unable to locate any office or officer/representative of Remitly in XXXX who could guide or comment. 
Thank XXXX I did not already send money and later find out that it is a complete and utter scam!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
THIS IS IN REFERENCE TO THE AMERICAN EXPRESS ACCOUNT WITH THE ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST UPDATED ON XX/XX/XXXX. THE LEGEND REVEALS THAT THE ACCOUNT IS CURRENT AND PAID AS AGREED ALL THRU XXXX AND THERE WAS NO DATA FROM XXXX - XXXX PRESUMABLY BECAUSE THE ACCOUNT HAD A XXXX BALANCE AND DID NOT REQUIRE A PAYMENT. HOWEVER, THE PAYMENT HISTORY INDICATOR CHANGED ON XX/XX/XXXX TO REFLECT A CHARGE OFF OF USD XXXX THAT IS UNKNOWN WHETHER THESE ARE FRAUDULENT CHARGES MADE AFTER I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT AND THE COURT APPOINTED CONSERVATOR XXXX XXXX TOOK OVER AND MADE THOSE CHARGES OR WHETHER THEY ARE DUE TO ANNUAL FEES AND INCIDENTAL CHARGES THAT ARE ASSOCIATED WITH MAINTAINING THE ACCOUNT. FROM MY UNDERSTANDING, XXXX XXXX TOLD ME ALL MY CREDIT CARD ACCOUNTS WERE CLOSED BY HIM. I SPOKE TO AMERICAN EXPRESS AND ADVISED THAT MY CAR CONTAINING ID AND CREDIT CARDS WAS AUCTIONED OFF OVER THE PHONE IN XXXX AND WAS TOLD THAT I WOULD NOT BE LIABLE FOR ANY FRAUDULENT CHARGES OR CHARGES THAT I DID NOT MAKE. IT IS THEN A HUGE SURPRISE TO SEE THIS ACCOUNT SHOW UP ON MY CREDIT REPORT ESPECIALLY SINCE I WAS NOT IN THE USA TO USE MY AMERICAN EXPRESS CARD THAT WAS CANCELLED BETWEEN XXXX - XXXX. 

PLEASE REMOVE THIS INACCURATE ACCOUNT HISTORY THAT IS POTENTIALLY NEGATIVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
I HAVE BEEN WITH XXXX XXXX SINCE XX/XX/XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO XXXX XXXX ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE XXXX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO XXXX XXXX THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.

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 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I have been harrassed for 2 years. Ive tried repeatedly to report issues but my mobile device is completely taken over. I have numerous linked accounts. Websites that are fake made to look like its mine. XXXX accounts with young children videos. Fundraising falsely made. Many many more issues that i will gladly answer to. Also most importantly i was not allowed a phone for the past 6 years until XX/XX/2018. I need this matter looked into. I have lost friends, family, jobs and relationships. To the point of suicide thought. Also went to see doctor and im certain their office was hacked because i was prescribed XXXX XXXX   of XXXX which is high dosage for XXXX time n doctor told me would prescribe XXXX and XXXX. Please return my call at XXXX XXXX XXXX or leave msg at my XXXX phone XXXX XXXX XXXX. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX AND HAVE PAID IN FULL MY MONTHLY BALANCE AS IS REFLECTED IN THE PAYMENT HISTORY OF MY CREDIT REPORTS. THIS IS WITH REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS SHOWN OPEN ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX. WHEN I WAS IN CONTROL OF THE AMEX ACCOUNT AND MADE MY OWN PAYMENTS, I PAID THE CARD IN FULL EACH MONTH LEAVING A XXXX BALANCE. DUE TO HOSPITALIZATION, THE COURT HAD ORDERED A CONSERVATOR, MR. XXXX XXXX, BE PUT IN PLACE WHO WAS SUPPOSED TO MANAGE MY FUDICIARY AFFAIRS WITH PRUDENCE AND ACCOUNTABILITY. 

MR. XXXX REDIRECTED ALL MY MAIL TO HIS OFFICE ADDRESS AT XXXX XXXX XXXX XXXX XXXX, MI XXXX AND TOLD ME HE CANCELLED ALL MY CARDS. I WOULD HAVE EXPECTED HIM TO PAY DOWN THE BALANCE IF I ASCERTAINED THAT THOSE CHARGES WERE MINE BUT THE COURT TOOK FINANCIAL CONTROL OUT OF MY HANDS AND LEFT IT TO MR. XXXX WHO NEGLECTED TO ACCOUNT FOR MY CREDIT HISTORY AND FINANCIAL WELL BEING. 

I HAVE NO IDEA WHETHER THE CHARGES SHOWN ARE MINE OR MR. XXXX 'S OR A RESULT OF MY VEHICLE BEING AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES WITH ID CARDS, CHECKBOOKS AND CREDIT AND DEBIT CARDS OF MINE IN THE VEHICLE THAT WERE NOT SECURELY DESTROYED OR RETURNED TO ME. I MADE THE REPORT TO AMERICAN EXPRESS THE SAME TIME I WAS RELEASED FROM THE HOSPITAL AND WAS TOLD THAT NEW CARDS WOULD BE RE-ISSUED AND THAT I WON'T BE LIABLE FOR CHARGES THAT ARE FRAUDULENT OR NOT MINE. 

I DO NOT KNOW IF NEW CARDS WERE INDEED ISSUED BECAUSE MR. XXXX KEPT ALL MY FINANCIAL AFFAIRS TO HIMSELF AND HELD MY ACCOUNTS WITHOUT GIVING ME ACCESS TO MY MAIL OR MY CREDIT/BANK ACCOUNTS. HE HAD NO RIGHT TO CANCEL OR MAKE CHARGES ON MY CREDIT CARDS.

Company response to consumer: Closed with explanation