vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021, I initiated a wire transfer of {$25000.00} to my wife. After 5 business days of not receiving the money, on XX/XX/XXXX I called Chase customer service multiple times. No one on customer service was able to tell me why the money was not received, only claiming that the transaction had been completed that I should follow up with the beneficiary bank. I ended up requesting for a recall as suggested by one of the representatives. I also called my Chase private client banker, who started an investigation. 

My wife and I also called XXXX XXXX XXXX multiple times, whose representatives claimed that they had never seen the wire transfer, and that we should call Chase instead. 

On Monday XX/XX/XXXX, I visited a Chase branch, no banker was able to tell me why the money was not received, but an investigation was going on. 

On Tuesday XX/XX/XXXX, my private client banker called me, explaining that XXXX XXXX XXXXXXXX had asked for additional details ( my full name and date of birth ) when they first received the money, but Chase had never responded to them. Later the wire department also said the same thing in the secure message system. However, the wire department claimed that XXXX XXXX XXXXXXXX had been waiting for my response, when I had received zero communication from Chase about the inquiry for additional details. 

As of today, XX/XX/XXXX Friday, my {$25000.00} is still not back in my account, and no apology has been made by Chase bank, not to mention any compensation for my time and effort lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Dates : XX/XX/XXXX, XX/XX/XXXX Amounts : Credit limit {$900.00} Balance {$1200.00} Action being taken by the company is reporting after 7 years which is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
Every 2-3 weeks I receive a letter in the mail from a different collection agency. They are attempting to collect monies I don't have for medical debt that I did a settlement for with XXXX XXXX XXXX XXXX. I am not sure how these agencies are even obtaining information settled. So instead of me writing a letter to the agencies asking if they've obtained this information illegally or purchased the medical information, I am also going to begin reporting them. The newest agency is CBE Group , Inc XXXX XXXX XXXX XXXX XXXX, IA XXXXXXXX and the agency just a few weeks prior is XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX. 

Let me begin by stating, Yes, I had over {$XXXX}  in medical bills because I did not have medical insurance coverage. It took me a year and a half to do so but I was able to get a 2nd job in the warehouse and paid off {$14000.00} of the medical debt I created. Of which a couple of XXXX XXXX XXXX XXXX bills were paid off. When I no longer worked at the warehouse due to the multiple surgeries on my left eye, I was paying little but what I could pay on my remaining medical bills. Then my full time job was cut down from XXXX hours a week to XXXX hours a week and then Covid comes which has made it challenging to find part time or another full time job. 

I had about {XXXX} in savings. So I reached out to XXXX XXXX, requested to do a settlement on both remaining balances that were roughly {XXXX} each and sent them 2 separate checks for settlement for {XXXX}. 

And every 2-3 weeks I receive a collection letter from a different agency in the mail for XXXX XXXX. I have not pulled my credit report since XX/XX/2020, and I hope they have not falsely impacted my credit report. These debts are settled. Now while I'm being transparent here, know that absolutely I did not want to do a settlement. I'd prefer to keep my name reputable and my word bond. However, I just did not have the means to pay them. 

May you advise how can agencies obtain settled debt information? Is this legal? 
The amount on this CBE Group letter is {XXXX} and service date XXXX and the amount on the XXXX letter is {$770.00} and XXXX service date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: VA

Complaint narrative:
After reviewing my credit report, I noticed a collection that I previously told 1st Crd Srvc. Was not mines. They then without any other action reported this debt as being mines. Completing violating both federal and local laws. Before I file a small claims suit against this company for defamation of character, I am asking for the CFPB to intervene for removal of this debt that is not mines and that is a result of identity theft. I have attached my police report showing that I am a victim of someone using my identity without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA REC is claiming that I owe them XXXX} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: DE

Complaint narrative:
A collection agency called IQ DATA INT'L INC  ( XXXX XXXX XXXX WA XXXX XXXX ) placed for collection a charge of {XXXX} from XXXX XXXX XXXX XXXX XXXX Georgia  ( original creditor ) on XX/XX/XXXX. They sent several letters and repeated calls to me and my family, they did not stop until I wrote to them asking them to stop. However, they placed this onmy XXXX XXXX credit report. I noticed this on XX/XX/XXXX as I was trying to apply for some credit. Since, XXXX of XXXX, I have filed a fraud report with the FTC and the CFPB. Have not heard anything from either agency regarding my case. 
Back to the crux of the matter, WE called IQ DATA in XXXX XXXX and asked them what we needed to do. A very respectful man XXXX XXXX told us to mail documentation to IQ DATA verifying my place of residence during the fraudulent charger, who used the the name XXXX XXXX not me XXXX XXXXXXXX to navigate their fraudulent account at this apartment complex. I did this, I mailed the documentation w/ proof of residency, drivers lis proving AGAIN my address which was not in Georgia . So, it is NOW XXXX and WE have not heard anything from IQ DATA INT'L. I called on XX/XX/XXXX and spoke to XXXX XXXX. Mr.XXXX proceeded to say to me " so why don't you just pay the XXXX bill '', the nerve of this person to assume I was the fraudulent person before IQ DATA even completed their " investigation ''. He next proceeded in a very unprofessional manner to tell me these investigations take 2, 3 and even 6 months. If this is the kind of people IQ DATA employees WOW I guess the fraudulent account from XXXX will never come off my report. I was living in XXXX XXXX Florida during the dates the fraud ( person ) was living under my identity in Georgia, It stated that on the copy of the lease I sent to IQ DATA and on my drivers Lis and a utility bill. The fact of the matter is my identity was stolen and IQ DATA keeps trying to implicate me as the fraudulent person. When the facts clearly prove otherwise. 
Perhaps, I should ask my attorney to get involved, because I'm sure with the evidence in hand any judge would see the FACTS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im reaching out to you all about some accounts that are still on my credit. I went to the bank to cosign for my mom a car and was not approved. I went and looked at the credit and see this accounts on here that are not mine. I was advised to reach back out to you all. Please take them off my credit so I can help my family XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX, XXXX XXXX, Rise. I also saw a few inquires and I saw that yall have 2 address on my credit where I never lived and where is work in wrong. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My only address should be XXXX XXXX XXXX XXXX and i work for NJ XXXX XXXX. I'm doing this on my own behalf and I have attached the report I filed with the FTC.

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 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: AL

Complaint narrative:
I sent a letter to Mountain Run Solutions to validate an account they are reporting on my credit report with XXXX XXXX. The certified mail letter was received by Mountain Run Solutions on XX/XX/2020 via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Mountain Run Solutions, the original contract from the original creditor, a record of the payment history, or proof that the collection company is registered and licensed to collect in my state, which I requested in the letter. The information being reported on my credit reported, mainly the balance, is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I was notified by the collection agency Aldous & Associates about an alleged debt of {$120.00} from XXXX XXXX. I have reason to believe I do NOT owe this debt because I have not had an account with XXXX XXXX since XX/XX/XXXX when my contract for the year of XXXX ended. Furthermore, gyms were closed for the majority of the year of XXXX due to COVID per the Governor order. How can one be charged for serviced not rendered. It is highly dishonest and highway robbery. 
I would like to reiterate that I do NOT owe this debt and, attached is the proof : an email from XXXX XXXX on XX/XX/XXXX admitting to me that they have made an error and, that I do not have any account that is past due or that at risk of being sent to collections. I have printed and sent the email to the collection agency by certified mail but, for some reason they have decided to act obtuse to the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Security Credit Services, LLC
State: IL

Complaint narrative:
SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY SECURITY CREDIT SERVIC. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: IA

Complaint narrative:
My available credit keeps going down because they are double charging me. I've contacted them two days in a row and asked them to fix it and they just keep saying it's updating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial
State: SC

Complaint narrative:
I submitted a complaint on XX/XX/XXXX. I received no communication from the company until XXXX via email at XXXX XXXX. I provided a complete response at XXXX XXXX  in which I received no reply via email. I then received a second email at XXXX that they had received my CFPB complaint and subsequently closed it without providing an adequate remedy. Additionally, this indicates that the company did not take this complaint investigation seriously and did not take the time to research the issue. 

As I stated, in the original complaint, this account is fraudulent. Pursuant to the Fair Debt Collection Practices Act, 15USC 1692g. The company responded to this complaint via email and subsequently on this complaint. The representative stated, " Our records show that Spotloan made a loan in your name on XX/XX/XXXX, in the amount of {$800.00}. I have independently verified that certain application information matches your name but can not complete my report without your help. '' This is also a violation as per the FDCPA. 

I have not received any validation of such information. I have requested to be provided with competent evidence that I have any legal obligation to this debt. I have not receive any. Spotloan also wrote : " Additionally, while you assert we have violated the FDCPA please know that Spotloan is not a debt collector under the FDCPA. Further, we have not owned your loan as of XX/XX/XXXX, we are not affiliated with the XXXX XXXX, and have not attempted to collect on your debt since it was sold to XXXX XXXX " This is another violation of my rights. This is an attempt to collect a debt and as such, Spotloan is liable for this violation under the FDCPA. This office has reported invalidated information to all 3 Major credit bureaus ( XXXX, XXXX, or XXXX  XXXX for five years, which constitute additional fraud under both Federal and State Laws. Due to this fact, the negative marks found on my credit reports by Spotloan and the company that the alleged debt was sold to, is Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Further, the information that is being reported is also inaccurate per the companies response. Again, this is fraud and violation of the FDCPA. Pursuant to 15 USC 1692c. ( c ) I am demanded that Spotloan cease all forms of communication with me through any and all mediums. Subsequently, I

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: IL

Complaint narrative:
SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY XXXX XXXX XXXX. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.

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 2021-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I sent a letter to Merchants Adjustment Service to validate an account they are reporting on my credit report with XXXX XXXX XXXX XXXX. The certified mail letter was received by Merchants Adjustment Service on XXXX via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Merchants Adjustment Service, the original contract from the original creditor that the collection agency should have on file, a record of the payment history, etc, which I requested in the letter. The information being reported on my credit report is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: College Ave Student Loan Servicing, LLC
State: IL

Complaint narrative:
I have never applied for this loan. I would not get a student loan at this time in my life or apply for one.

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 2021-02-06 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: DISCOVER BANK
State: DC

Complaint narrative:
attempting to open Discover card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
As of XX/XX/XXXX I sent a certified letter to Midland Fund requesting validation of a debt {$500.00}, Requesting details 1-6 requesting validation. 

XX/XX/XXXX Midland Fund responding stating They were uncertain of what I was disputing, requesting a written explanation and documentation demonstrating any errors. 

XX/XX/XXXX I responded with another certified letter requesting a validation, requesting details. I have yet to received a response validating this account belongs to me. 

This account is still reporting on my credit report and showing negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: DC

Complaint narrative:
attempting to open XXXX card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.

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 2021-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal close my account for no reason. I am very frustrated because I cant widraw my money. This money is for my XXXX  XXXX. I cant start again.. this is my paypal account XXXX XXXX

Company response to consumer: Closed with explanation