vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
A year ago I found a credit bureau listing from Capital One Bank ( USA ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on child support and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with XXXX XXXX XXXX in Minnesota, did not contact me again until this week when I received a letter forwarded to my New Mexico address from my ex in Nebraska saying that Capital One Bank ( USA ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA  to again dispute a debt I have previously disputed. I have researched XXXX XXXX and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill. At this point unless this is removed, I will have no choice but to retain the firm that won these Class Action Lawsuits against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On my XXXX and Equifax report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) Equifax did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, Equifax also has my birth year listed as XXXX when my actual birth year is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: MN

Complaint narrative:
Afni has re-aged my a account on my credit report. They have the account opened in XXXX of 2019 I did not have right to dispute nor receive any letters from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Constant phone and postal mail contact for years, have requested a stop to it with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 went to Chase Manhattan Bank at XXXX XXXX XXXX in XXXX   XXXX XXXX, NY XXXX and used my XXXX debit card to withdraw {$500.00} from the ATM machine at Chase Bank at XXXXXXXX XXXX. 
I received a receipt stating " We are unable to give you cash right now. Call XXXX. Could not get through after a few tries. Went to someone in bank and they said they were having problems with the ATM machine and a notice should have been posted on the machines but was not. At that moment {$500.00} was removed from my XXXX account. 
Told by Chase " not our problem you did not use your Chase card ''. Must file a complaint with XXXX and it can take a few weeks to get resolved. 
Again - attempted to get cash - ATM not working - confirmation that no cash could be dispensed and yet TOOK {$500.00} out of my account at the same time. Who pays me or XXXX for the amount of time it is taking to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In XXXX, I learned that I had an unpaid electric bill to XXXX XXXX  XXXX XXXX. The bill of about {$35.00} was from a previous residence, where the company sent the bill after I had moved out. Therefore, I never realized that I had been billed. 

XXXX XXXX XXXX had my phone number, but did not call me. Instead, they turned me in to a collections agency, which called me. Within a few days of receiving notice, I paid the bill in full. But this is still showing up as a missed payment on my credit report. I feel that I was not appropriately notified. Of course there was no intent here on my part not to pay this bill. Now this will have a significant impact on my ability to get a mortgage. 

Please help me to get my credit back in order. This was really just a minor and honest miscommunication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: NM

Complaint narrative:
A year ago I found a credit bureau listing from XXXX XXXX XXXX ( XXXX  ) stating I owed a debt. I disputed the debt and never received any further information. This account was opened by my ex wife after our divorce fraudulently in my name. I have no contact with my ex wife as she has not been in contact with me or our children for 4 years. She is delinquent on XXXX XXXX  and we have no way of locating her. A law firm called me a year ago about this debt and I informed them I disputed the debt. I live in New Mexico, they had an address in Nebraska which I believed to belong to my ex wife. They, XXXX XXXX XXXX with Gurstel Law Firm in Minnesota, did not contact me again until this week when I received a letter forwarded to my New   Mexico address from my ex in Nebraska saying that XXXX XXXX XXXX ( XXXX  ) has sued me in Nebraska and demanding a hearing in Nebraska in 2 days. I LIVE IN NEW MEXICO. I have no means to get to NEBRASKA to again dispute a debt I have previously disputed. I have researched Gurstel Law and they have settled several CLASS ACTION lawsuits when suing people who did not owe the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
CREDIT MANAGEMENT LPIS REPORTING FALSE INFORMATION TO MY CREDIT REPORT ( ACCT # XXXX ) AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607.  Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been trying to have Equifax remove a consumer dispute from my bankruptcy for over a month now. 
Every time I call they tell me they have taken care of it. 
It is currently still on my report. 
I've been trying to refinance my house for over a month and this is the only thing holding my loan up. 
Now this has cost me money. 
They keep telling me it's resolved, but even today it is not. 
The dispute is still there and I can not close my loan. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On my experian and XXXX report, there is an error stating that I have an open account in collections and that it was " paid less than full balance '' and I paid in " full balance ''. This does not show on my XXXX report however. I contacted XXXX XXXX  and they also informed me that they contacted the merchants to have it removed. 

This is error is causing me a great deal of stress in regards to obtaining a home loan through the veterans affairs ( it showing that I have series delinquency spanning two plues years ) XXXX did not help me one bit and at this point I feel like I'm wasting my time with them. Furthermore, XXXX also has my birth year listed as XXXX when my actual birth year is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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:
I received a letter from Capital One on XX/XX/19 stating they rebill the charge in amount of XXXX that XXXX XXXX XXXX charged on my card for the uniform my son never received. Nn XX/XX/19, I faxed the evidences such as screenshots of my conversation with the owner via texts. I followed up on XX/XX/19 to see if they have received and they haven't. I faxed it again and still haven't received it. I asked for a link to upload the documents. They sent me email to upload the documents. I followed up again and they stated they denied my claim because they dont accepted screenshots. I spoke with the supervisor and the supervisor encouraged me to write a progressive letter explaining what happened. I did and upload on the same day. I provided an explanation of how my conversation with the owner changed from email to texts and that my only communication with the owner is by texts because its easier for us and that I am XXXX. I also provided to support my explanation. In the text, the owner did stated he would refund me for the basketball uniform my son never received. I followed up the next day on XX/XX/19 and they told me they denied my dispute claim. I am upset about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
amex needs to call XXXX  XXXX about the data breach 4social showed up so the bureaus removed the FTC violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Respected Sir/Madam, I am very well customer of Bank of America since XXXX. I have student checking account with them. On XX/XX/XXXX ( Friday ), i noticed that somebody used my debit card details and made transaction of {$2500.00} and {$500.00}. As soon as i got this details, i called customer representative and told them this transaction is not made by me. At that time, she told me that transaction in under process state, as soon as they deduct they will file claim for it. i was ok with that. Than i suddenly noticed that, on XX/XX/XXXX XXXX Saturday ), There were more three transaction made of {$100.00} with the same details. I called customer representative and told them this transaction is not also made by me. So, he file claim for that as well ( total claim money {$3300.00} ). And i requested for issue new debit card because some was using my debit card details. After one week, i got letter from bank of america indicating that my claim is denied and they think this transactions are made by me. But i did not make a single transaction of that. I am very worried about my money because i have to pay tuition fees as well. please kindly help me in this situation. 

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 2019-09-25 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: IL

Complaint narrative:
Remove the accounts from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly a voluntary repossession on the XXXX  account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
Please be advised this my 2nd complaint regarding this issue with Midwest Recovery Systems. On XX/XX/XXXX I received some alerts regarding a change appearing on my credit reports. Upon checking, I noticed a collection account from Midwest Recovery Systems. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have several issues regarding this. 
1. Midwest Recovery Systems never informed me of them obtaining or purchasing this debt within the initial 5 days with any letter of attempt to collect as per the Fair debt collection Practice Act section 809. This is a violation. 
2. It has been 30 days since I've sent Midwest Recovery Systems an affidavit of denial ( Not letter of Validation ) since the debt never was mine, and I still have not received any correspondence or anything in the mail from Midwest Recovery Systems regarding this debt. 
3.I have since been denied credit because of this inaccurate information that is on my credit report which I'm currently seeking legal advice in an attempt to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: IL

Complaint narrative:
Remove the accounts from my reports.

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 2019-09-25 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: IL

Complaint narrative:
Remove the accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Regional Mediation Associates LLC
State: FL

Complaint narrative:
XX/XX/2019. I received a call from XXXX XXXX XXXX XXXX XXXX, from Regional Mediation Assoc. # XXXX. # XXXX, # XXXX. Stating I am being sued for money owed. with case # XXXX in the amount of {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
TALX Corporation, a wholly owned subsidiary of Equifax Inc. has two separate reports : 1 ) Prove Employment to Verifiers ; and 2 ) Prove Income to Verifiers. This would lead a consumer to believe that one report will verify that you are actively working somewhere and another report will verify your income. There are very good reasons why I would allow someone to view an employment verification report for me and not an income verification report. However, I requested and viewed my employment verification report and all of my salary and income information is in there. Even down to the detail of each pay period and what my gross and take home pay was. This is misleading. If all of that income information is in the Employment Verification Report then the Employment Verification Report is both an Employment AND Income Verification Report. I would not agree to release my employment verification report if I knew that they also had all of my income information in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
Not working. XXXX. Received XXXX they didnt bill XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: AL

Complaint narrative:
I've contacted you all before. I'm relocating to XXXX. end looking to purchasing e. home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I sew a couple of items that are not mine. These items are still on my report need to be deleted from my credit report : 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 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is reporting Chapter XXXX Bankruptcy I NEVER filed. I repeatedly complained about it for over 6 months, but it's still there. I believe they are NOT doing any ACCURATE data verification. 

I had to go to an attorney and pay him to search PACER database to get attached report. 

I have never, ever filed any bankruptcy in my life. 

Please help me. I'm attaching my SS card so you can see my SSN on the Pacer report. 

This has negatively impacted my credit so much that I'm not able to get the credit I deserve.

Company response to consumer: Closed with non-monetary relief