vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: James E. Albertelli, P.A., a Florida professional association
State: FL

Complaint narrative:
DEB COLLECTOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : BANKRUPTCY CASE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Abertelli Law Office file XXXX XXXX XXXX # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Abertelli Law Offices Demand letter and pay off quotes of debt, dated XX/XX/2019, XX/XX/2019 and XX/XX/2019 respectively. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming in the name of XXXX XXXX XXXX XXXX. 
Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). 

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor XXXX XXXX XXXX that authorize you to collect on this alleged debt. 
2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt. 
4. Release correct copy of all Allonge, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust. 
5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6.  Proof that the statute of Limitation has not expired. 
7. Complete payment history on this account along with an accounting of all additional charges being assessed. 
8. Commission for debt collector if collection efforts are successful. 
9. Any Judgments obtained by any creditor regarding this account. 
10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent. 

If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX cc : BANKRUPTCY COURT Consumer Protection Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Late the night of XX/XX/19, my bank texted me an alert of potentially fraudulent credit card charges made to XXXX. I replied to the text that it was indeed a fraudulent charge attempt. I spoke with the bank fraud team early the morning of XX/XX/19. During this conversation I became aware of completed fraudulent charges made to Experian credit reporting for {$1.00} and {$5.00} ( my bank has since reversed these charges ). The bank fraud team recommended that I request a credit report freeze, and that I obtain a personal copy of my credit report. I attempted to call Experian several times to freeze my credit report and report the fraud, only to get an automated number that wanted me to input my SSN. I was not able to talk with a live person, and still have not been able to do so. I was able to talk to with a live person at XXXX, and freeze my credit report through them. On XX/XX/19 I attempted to obtain my credit report from Experian online. I created an initial account, but was unable to log in to request the report using the password and user name I had just created. It said an account was already created for my personal information, and sent a password reminder to a fraudulent email similar to my actual email ( same user nameXXXX ). It appears that in addition to the fraudulent charges for unknown and unauthorized services, a fraudulent Experian account was created with my personal information.

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 monetary relief
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
This is the Second Time that I'm having a problem with my credit these account needs to be block. this is bad for my personal life and business can these account be taking off my account thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
We recently experienced a vehicle break-in and important papers were stolen that may be used to compromise our identity and credit. Husband immediately took to freezing our accounts with the 3 credit reporting agencies. 2 down - 1 to go : Equifax. Husband was required to request a verification code mailed on XX/XX/2019 and soon received. Logged back on to https : //my.equifax.com/XXXX to complete the enrollment. We were locked out of completing. Called Equifax and was routed to the XXXX facility. Agent told me the ONLY way she could help is " if I faxed a copy of my original Social Security to her. '' Do not think I appear to be stupid - but apparently that is what she and her supervisor were hoping. I adamantly refused - willing only to fax with the first 5 digits blacked out. Nope! They refused. Those agents were unwilling to verify my identity any other way ie : personal questions. Called the next day, routed from the XXXX to USA and the agent completed the freeze via that conversation with info being sent. 
We frequently received SPAM calls from XXXX and this demand was outrageous. Just heard on XXXX about the break in security at Equifax which is prompting me to file this complaint. How many elderly people fall for this and really do fax their SS #? This is the PIT of Identity Theft! Within the Equifax outsourcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have an account with XXXX XXXX  XXXX with this company and previously I disputed the item and it cam out my credit report but after 2 month same report appeared in my credit file again. Base in the law if the company does not respond after 30 day it should be clear from my credit reporting but same report appears again after a while again. Also a credit report from XXXX XXXX which is a fraud in my credit report. This account is not mine and has not been removed even when I contacted XXXX XXXX exists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: VA

Complaint narrative:
Hi, We have been contacting US Bank for over 2 1/2 years trying to get this resolved. Our lease is ended in the next three months. We have filed a complaint previously in which they have responded but never followed through with it. Our bill still does not reflect the correct amount.

They stated that it could take up to 10 weeks. It has been over 16 weeks and still no change. 
Our past complaint id is XXXX. 
Please help us. It is XXXX XXXX XXXX that they are charging us for taxes for a county that we do not live in. We have tried called weekly and get no where.

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 2019-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I contacted Chase onXX/XX/XXXX to advise of my flight being canceled & an incurred hotel expense. I have the Chase Reserve Card that has travel insurance. I was told that a claim form would be emailed to me. Two weeks later I contacted them again when I had not received anything. They advised the email had not sent. I submitted the claim form and all requested documents. They then advised the documents would be reviewed within 5 days. Two weeks later I called for an update, they said they'd do it then. I then got an email requesting documents that I had already submitted. I submitted them a second time. Chase seems to be delaying in an effort to not pay the claim in accordance with their cardmember agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have enrolled in Experian 's Credit Works credit monitoring service. I currently pay XXXX per month for unlimited daily access to my Experian credit report and score. 

However, I am unable to dispute anything online. I receive an error message that there are technical difficulties and they are working on resolving the issue. 

I recently had to send in my dispute via USPS and when they emailed me saying the results were ready, I was unable to view them online. I never received written correspondence of the results so I don't know what they are. 

I had a similar problem a couple years back and they discovered the file size was too large mainly due to the number of soft inquiries. Experian ended up purging the soft inquiries from my report in effort to reduce the size of the file. I'm not sure if this is the same problem I am experiencing or something else. 

I have contacted Experian Credit Works at the phone number listed on the attachment, but I keep getting transferred to different departments and no one has been able to help.

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 2019-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis and associates are not only unethical in their practices, failing to communicate in writing, threatening to 'sue ', 'damage my credit ' and/or poor accounting/booking practices. 
As of XX/XX/XXXX they have reported a COLLECTION of {$370.00} dated XX/XX/XXXX, on behalf of XXXX XXXX XXXX to credit bureau companies. Not only is this not a valid collections this account was closed in good standing. This error had been previously resolved with Rash Curtis & associates, in which they reported to me as 'resolved ' yet due to their poor booking practices and poor customer skills they internally mishandle accounts and now, 6.5 years later they are reporting this to the credit bureaus. 
This reporting is to my surprise as I have not received any information from them neither via phone or mail In XX/XX/XXXX due to their poor booking practices and false credit bureau reporting. I contacted Rash Curtis and associates to resolve issues in response they sent me an itemization of account in which it included XXXX XXXX XXXX as paid in full transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: GA

Complaint narrative:
I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.

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 2019-07-21 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: FL

Complaint narrative:
I've been a victim of identity theft. I did not Authorize this Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
I've been a victim of identity theft. I did not Authorize this 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 non-monetary relief
Consumer complaint received 2019-07-21 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: GA

Complaint narrative:
I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX  XXXX XXXX and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX  XXXX XXXX  on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.

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 2019-07-21 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: GA

Complaint narrative:
I was advised to reach out to you guys regarding two accounts on my credit that are not mine XXXX XXXX   XXXX XXXX  and XXXX XXXX. I have tried all I know to get this taken off and the attorney guy thats on the billboard in my building said he can help if need be after reaching out to you. There is also an inquiry XXXX XXXX XXXX on my credit and I dont know anything about that. I own my home so why would I need to rent anything thats the purpose of buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My mortgage service changed from XXXX to XXXX XXXX loancare. I had my online bank setup for the new address but did not have new account number. The old account number from XXXX. Mortgage payments were sent via online to Loan Care service XX/XX/XXXX for XXXX statement and XX/XX/XXXX. I found out that payments were not credited to my mortgage ; XXXX XXXX was contacted and I was told to submit proof of payments to their research department. This information was submitted XX/XX/XXXX showing online payments and how online banking had old account number. 

My bank submitted notarized statement to XXXX XXXX loancare that XXXX and XXXX were paid. The banker received statement that it was recieved and assigned case # XXXX. My brother submitted email to customer service on XX/XX/23 and there is case # from XXXX XXXX Loancare # XXXX. During this time I have gone through XXXX, XXXX, and XXXX for XXXX XXXX. XX/XX/XXXX there was contact with XXXX XXXX and XXXX # XXXX said issue would be resolved by XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX said that it would be resolved XX/XX/XXXX. 

I am making my payments but XXXX XXXX says my loan is in default. My brother has been helping me and paper work was submitted so that he could talk to XXXX XXXX. My XXXX has been removed and I am unable to talk.  I can provide bank statements and other proof. I am heard that this company has very bad reviews and similar cases have occurred.

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 2019-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
My late husband XXXX XXXX XXXX was a 100 % XXXX veteran. 
XXXX XXXX XXXX XXXX sent me to collections for a bill that should have been paid by the Veterans administration. As a widow I am unable to afford this Collection debt. 

I did dispute the charge but they insisted that I was responsible for his hospital bill. 
I also called Kings Credit Collection agency to talk with them but they insisted I was responsible for the bill also. They suggested I contact the XXXX XXXX XXXX to try to resolve this issue. I was not informed that I would be sent to Collections by the XXXX XXXX XXXX. 

I have also tried to resolve this with the VA but was unable to get this problem resolved. 

I feel that the VA should have paid this bill. My late husband passed away suddenly on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
On XX/XX/2019, I completed a Balance Transfer request with First Bankcard for {$850.00}. The offer was for 6.99 % fixed APR and a transfer fee of the greater of {$10.00} or 1 % of the balance. On XX/XX/2019, they provided a statement to me indicating that I had been charged the {$10.00} fee and {$1.00} for the minimum interest charge. Additionally, the statement indicated that I still had AutoPay on to pay the full statement balance. At some point after the statement was released, but prior to a week before the AutoPay was supposed to happen on XX/XX/2019, I changed my AutoPay selection to pay the minimum payment instead. I believe that this was done immediately after seeing the statement, but I did not receive any confirmation when I changed the AutoPay option. However, on XX/XX/2019, my checking account was still debited for the full statement balance. I contacted First Bankcard on XX/XX/2019 after I noticed the full statement balance had been incorrectly debited from my account. They were not able to resolve my complaint.

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 monetary relief
Consumer complaint received 2019-07-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I have submitted six disputes since XX/XX/2019 and have not received credit for any of them, nor received any correspondence from Alliant subsequent to disputing the charges. I believe I have been illegally required to pay the charges under dispute as they were included in the statement balances. 

XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX.XXXX/XXXX  {$15.00} Invalid Amount Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$12.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX {$10.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX {$270.00} Merchandise/ Service Not Received Submitted XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX/XXXX  {$59.00} Credit Not Received Submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, I submitted a response to the XXXX XXXX XXXX in regards to Case # XXXX against Wells Fargo Bank for Unauthorized accounts opened in my name four accounts without signatures and four with signatures along with unauthorized credit cards, Unauthorized Charges and Overdraft Charges. I also mentioned the discrimination of my Permanent XXXX. The following was my response to the mediation proposal : Quote, Case # XXXX Dear WFB/XXXX XXXX I object to the mediators order as wrong and not based on facts. 

I have requested the bank and credit card accounts and related documents from WFB several times prior to the mediation which are in your possession and withheld from me. The mediation order falsely states that I did not have the accounts numbers when WFB withheld them from me. WFB must disclose the account numbers to the mediator, correct its report and again I demand disclosure of them to me. The order is not based upon the facts alleged on the phone and in my emails to WFB including the fact that WFB caused exacerbation of my mental and physical XXXX. The mediator ignores my XXXX and condition and past, present and need for future medical care caused by WFB. I will also present other facts and damages when WFB releases the documents and evidence it is wrongly concealing from me. 

I am responding to a letter that I received from you by mail instructing me to contact you within 20 calendar days or the claim will be considered closed. I am Responding within the 20 days, for this case to remain open. 

I object to the Mediators order as wrong and not based on facts. 
unquote. 

I never received a response.

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