vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: Capital Accounts, LLC
State: FL

Complaint narrative:
Back on XX/XX/XXXX I looked at my credit report and noticed it was an account listed in derogatory for {$2500.00} by a company named Capital Accounts LLC. They never reached out to me prior to this and damaged my credit. On XX/XX/XXXX I wrote Capital Accounts LLC and requested validation and a contractual agreement bearing my signature proving that I owed them a debt. On XX/XX/2019 they sent out a letter to me stating they had retained my account from a third party, I now owed them {$1200.00} and that I had 30 days to dispute the validity of the debt even though my first correspondence to my credit being damaged did this. On XX/XX/2019 I sent them out a second letter requesting validation and a contractual agreement bearing my signature proving I owed them a debt. They updated my credit report to show the account was in dispute and it now shows I owe {$1100.00}. The never addressed my second letter and sent me out a letter stating I haven't made any payment arrangements with them to pay the balance which is now {$1100.00}. As a result I am requesting this account be removed from my credit report immediately as I believe they are in violation of the Fair Debt Collection Practices Act, The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Both of my credit card accounts with Chase Card Services were recently closed. I was told that one of the cards was closed for delinquent status and the other one was closed at management 's discretion. Here are my reasons for not being able to stay on top of the credit card payments in a timely fashion... 

I ) ACCOUNT # ENDING IN XXXX a ) Account # ending in XXXX had some significant fraudulent charges and I was waiting for the credits to come through, II ) BOTH CREDIT CARD ACCOUNT NUMBERS ENDING IN XXXX and XXXX - a ) my oldest daughter had a nervous breakdown and I had to take care of her over the last 5 - 6 months. I have attached a copy of the durable power of attorney which authorizes me to act on my daughter 's behalf and hospital reports. 
b ) In addition to this, I have my own business and I been in an ongoing battle XXXX XXXX over the XX/XX/XXXX account fraud and the investigation is still going on. The fraud ( purposely set up in the wrong account ) has devastated my life and my business. I have attached of the complaints I filed with the CFPB on XXXX XXXX. 

Chase Card Services did not want to hear any of the family/personal issues I have dealt with over the last 5-6 months ; this issue actually dates back to XX/XX/XXXX when she had her first nervous breakdown and I have been working with my daughter ever since. 

Chase Card Services was very rude and insensitive especially telling me that they can close my accounts for any reason and/or at anytime. My problem with this is first they did not know all of the facts and second, they may have closed the account for the wrong reason. They told me that the system/computers makes the decision and there is nothing they can do and then I asked to speak to a human, a supervisor, who could make a decision after hearing all of the facts ; the supervisor gets on the phone and basically says the same crap about the system and management is free to do whatever they want with the account and the decision is final. I also offered to make a payment if they reopened at least one of the accounts and they refused. 

These were life-changing events and I was not able to handle these issues while helping my daughter. I have a business and at least one credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just received a copy of my credit report and noticed a lot of unauthorized and incorrect inquiries.

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: SC

Complaint narrative:
Second Request : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello : I made a charge with my Chase credit card and cancelled the transaction on the same day. I have the cancellation of the transaction from the vendor. However the charge is reflected on my credit card statement and the vendor and Chase are not removing the charge from my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-24 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-24 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREAT LAKES
State: SC

Complaint narrative:
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XXXX of 2019, there was a mortgage payment posted to my account that I had not made. When I called US Bank to inquire what this payment was and why it was on my account, I was notified by the US bank call center representative ( XXXX ) that their was an escrow balance overage and that it was applied to my account. 

I mentioned multiple times that I had not sent in my payment but the US Bank representative assured me that the payment was valid and correct. Now the first of XX/XX/2019, US bank notified me that they had made an error on their end and that two months worth of mortgage was due in XXXX on account of their error. I attempted to send in my payment for XXXX and they did not want to accept it. I was told I was to make the two months worth of payments and that they would not receive just one month. 

I have been trying since the beginning of XXXX to work with US Bank to find a resolution to their error and have been given the run around for weeks now. I have been accused of being a delinquent who does not want to pay my mortgage by one of their male representatives ( XX/XX/2019 ), I have been laughed at because of my XXXX name, and I have been treated with sheer disrespect from a supervisor named XXXX who refused to help me when I called last on XXXX XX/XX/XXXX. This supervisor answered the line by saying " What do you want ''!!! Set individual even proceeded to tell me that I wasn't going to ruin her mood for the day and hung up the phone. US Bank is not owning up to their mistake from back in XXXX, they have sent numerous threatening letters of foreclosure, negate the fact that I have uploaded to their portal multiple times documents that they have requested for a request for mortgage assistance ( RMA ) and have made this a tremendous financial and emotional burden on myself and my family. They have reported my account to the credit bureaus on account of their mistake and I am not sure at this time what my rights are on account of not being able to achieve a reasonable solution. 

I do not negate the fact that the last three times I have called, I have been quite upset an account of the sheer unprofessional individuals US bank has in this call center ( XXXX ) and how they seem to not want to own up to their mistake which has caused tremendous suffering as well as emotional and financial distress. I can not believe that a mortgage company treats its customer the way I have been treated by US Bank.

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 2019-10-24 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: GA

Complaint narrative:
I have repeatedly tried to fix this problem and ask for verification, which I have not received.

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 2019-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I was notified of a Debt when a debt collector Kings Credit Services out of XXXX, Ca filed a Summary Judgement against me on XX/XX/19. I asked them to verify the debt, when they sent me their reply the amount of {$680.00} was not correct. I sent them information informing them the amount they were going after me for and asking them to go back and verify with their client. It seemed that the Dr. office that this was from was not crediting my account for payments made. They never replied to my reply. They continued their court actions. Now they have a judgement against my they got from I now consider fraudulent information since they refused to verify the debt. 

Until I got the court documents as far as I can tell I never had contact with the agency, either written or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
I have repeatedly tried to fix this problem and ask for verification, which I have not received.

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 2019-10-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
IreceivedanemailXX/XX/XXXXthatmycreditcardswereclosedimmediately.ThatisinviolationwithCIVILCODE-CIVDIVISION3.OBLIGATIONS[1427-3273](HeadingofDivision3amendedbyStats.1988,Ch.160,Sec.14.)PART4.OBLIGATIONSARISINGFROMPARTICULARTRANSACTIONS[1738-3273](Part4enacted1872.)TITLE1.3.CREDITCARDS[1747-1748.95](Title1.3addedbyStats.1971,Ch.1019.)1747.85.
Unlessrequestedbythecardholder,nocardissuershallcancelacreditcardwithouthavingfirstgiventhecardholder30dayswrittennoticeofitsintentiontodosounlessthecardholderisorhasbeenwithinthelast90daysindefaultofpaymentorotherwiseinviolationofanyprovisionoftheagreementbetweenthecardissuerandthecardholdergoverningthecardholdersuseofthecreditcardorunlessthecardissuerhasevidenceorreasonablebeliefthatthecardholderisunableorunwillingtorepayobligationsincurredundertheagreementorthatanunauthorizeduseofthecardmaybemade.
Nothingprovidedhereinshallbeconstruedtoprohibitacardissuerfromplacingtheaccountofacardholderoninactivestatusifthecardholderhasnotusedthecardforaperiodinexcessof18monthsorfromrequiringthatcardholder,uponsubsequentreuseofacard,toprovidetothecardissuersuchupdatedinformationaswillenablethecardissuertoverifythecurrentcreditworthinessofthecardholder.


ThereasonschasebackclosedmyaccountswerestatedasToomanyaccountsopenedrecentlyToomanyrequestsforcreditorreviewsofcreditNowthosereasonsthattheyclosedmyaccountsarenotstatedinthecardmemberagreements.Andthefactthattheywrittenandclosedmyaccountsthesamedayisaclearviolationofthemgivingmeawritten30daynoticeoftheirintenttodoso.Thisisaclearproblem.Iwillbegoingafterarbitrationforthismishandlingofmyaccounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While my Transunion membership was active, their records show that my FICO score was over 800. Their records show that my score was XXXX on XX/XX/2019. My membership became inactive about a week ago and I have not been able to contact them because my password mysteriously doesn't work. Today, my financial institution that reports FICO scores from Transunion reports my FICO score to be XXXX. There has been no activity on any of my accounts for more than a month and my score on the other three reporting services remains higher than 800.  I believe the sudden, capricious reduction in my FICO score by Transunion is a punitive act solely based upon my discontinued membership and not for any legitimate negative account information that I am responsible for. This situation is made worse by their system locking out my computer generated user and password information. I believe that I have a tangible legal property interest in the correct and accurate reporting of my FICO score. This malfeasance by Transunion is a blatant misuse of power by an agency that can not be held accountable for their malicious acts.

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 2019-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: AZ

Complaint narrative:
My student loans were included in my bankruptcy discharge in XX/XX/XXXX. I made Great Lakes aware of the incorrect reporting in XX/XX/XXXX, and I was given the instruction to fax over my discharge paperwork and that it would be corrected. I faxed over the documents. When I started getting collections calls, in XX/XX/XXXX I called and was instructed to email my documents to an unsecured email and it would be looked at. I sent the email, no response. Again, collections calls started in XX/XX/XXXX, and so I called in requesting a supervisor, explained my situation and was told that they never received the documents. The supervisor XXXX then proceeded to tell me how they only had one document from me and when she explained what the document said and my correction of her understanding of what that document was, I emailed my discharge paperwork for the 3rd time. Verifying that it was received and was informed that it has to be forwarded. I explained that I expected a resolution and would be filing a complaint for the mishandling of my account which is causing my debt to reflect $ XXXX more than it should and the carelessness and unresponsiveness of that company if I hadn't heard back. Now a week ago, in XX/XX/XXXX the collections calls have started again and after explaining things for the 4th time is like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have used a Capital One for Business card for many years, always paying off the monthly balance, averaging {$10000.00}, on time. 
In the past 2 years there have been multiple instances of fraudulent activity, often caught while charges were still pending, even tho my card was never out of my possession. Capital One has always replaced my card. 
The most recent replacement card was sent to me early XXXX. I activated it. When I needed to use it for a purchase XX/XX/XXXX it was declined. I logged in and couldnt access my account information. Weird. 
I called Capital One and was informed my account had been charged off. 
Why? And why wasnt I notified? Eventually I was told it was because I was deemed high risk because fraud had occurred 5 times. OK. I can accept being dropped for being the victim. But I was never notified. Shutting down my card also left me without cell phone activation. And to take away my online access to my account also made it so I couldnt see my statement, pay my bill, and use my reward points. 
Capital One cut me off without notification. This put me at risk. I feel it is an outrageous way to treat a solid customer. I was informed in XXXX my SS # and other personal information was stolen in a security breach at Capital One. Great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
WHAT IS THE {$890.00} DOLLARS. UNTIL YOU EXPLAIN IN DETAIL WHAT IS THE {$890.00} ON A SECURED CREDIT CARD. IT IS MADE UP FEES. IT IS NOT CHARGES MADE BY ME. YOU ARE A XXXX CREDIT UNION AND CALLED ME XXXX ON NUMEROUS OCCASION. I WILL CONTINUE TO COMPLAIN UNTIL YOU GIVE A DETAILED ACCOUNT OF ALL MONIES I DO NOT OWE. THIS WAS A SECURED CREDIT. WHY CANT YOU EXPLAIN THE ADDITION {$890.00}. THIS SHOULD BE EASY JUST SEND THE CFPB AN ITEMIZED LIST. YOU CANT. YOU AREPATHETIC LIARS. ALL YOU DO IS LIE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: HI

Complaint narrative:
Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 2019-10-24 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: HI

Complaint narrative:
Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 non-monetary relief