vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the  last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$120.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Dear Collector, NELNET LOAN SERVICES INC XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Dear Collector, NELNET LOAN SERVICES INC XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2019 as if this medical account belongs to me it should have been paid for by my insurance. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that may not be mine and should have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account is mine and was not paid for in full by my insurance and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-11-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A charge of XXXX on my business card for an event that I paid for on XXXX XXXX 2019 for a business XXXX of XXXX event party that was never done by the vendor which I disputed and was told by American Express they dont care I have to pay it which is horrible experience thats why I used my card so I have security but American Express wants me to pay for something I never received and it was an authorized user on my business account that used the card I have excellent credit my credit line is for XXXX and they closed my account without any reason declining to give information its like they are doing it on purpose to ruin my business they issued me the credit than removed it and wont give any reason please if you can assist me in resolving this issue I would greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-11-26 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 
-COLLECTION ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, 2019 with a credit limit of {$120.00} -This is not my 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 explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Dear Sir or Maam, I have a bankruptcy on my 3 credit bureaus that state a date of XX/XX/XXXX. The actual bankruptcy was in court back in XX/XX/XXXX. It should be removed by FCRA laws in XXXX. 
I have contacted all 3 of the bureaus and they all state that they are planning on keeping the bankruptcy on my reports until XX/XX/XXXX but I must request the removal at that time only. Even with a XXXX date, it is only 5 months away. Couldn't they removed the bankruptcy at this time? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX on around XXXX XXXX, my wallet was stolen from my gym locker and used to purchase over XXXX worth of gift cards that you can buy at the grocery store. Chase refused to acknowledge this theft as fraud and considers these purchases as my responsibility. 

Here is what happened. 

I arrived at my gym around XXXX on XX/XX/XXXX, changed, put my street clothes ( with my wallet ) in my locker and locked it with my lock. After my work out, I went back to the locker room to find my lock was missing along with my wallet from my pants. 

I immediately reported it to the front desk and their response was " uh oh, here 's another one. '' I looked around and 3 or 4 other guys were standing there looking concerned. Their lockers were broken into as well. 

We reported it to the police first and then I started calling to cancel my credit cards. The thieves were able to make purchases on my Chase card at TWO different grocery stores to the total of over {$11000.00}. How was this possible? I have no idea! 

According to the gym, two of the three men that were involved in the theft have been caught. I have attached the police report from the XXXX Police Department. 

Chase has assured me that they've investigated this claim thoroughly which is absolutely absurd.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I was a victin of identiry theft were my XXXX Account was used to order multiple devices and new numbers. Despite my efforts to work it out with the company, we were unable to come to an agreement. I had 4 phones but only was paying for 2 because of a buy one get onefree promotion. I also had an unlimited data plan. Regardless of my 19 year history, XXXX hanged my plan without .y permission, denied doing it and charged me XXXX XXXX XXXX $ and XXXX $ last summer ( 2017 ) and they never removed the lines that had been added without my consent or knowledge. 
I left then XXXX of this year and went to XXXX. I received a final bill and paid XXXX $ for my final payment. 3 months later, XXXX sent my account to collections withiut notifiying me and did so with their television subsidiary ( XXXX XXXX for XXXX $ ). The tv charges were removed because i never received services but my final bill had changed from XXXX $ to {$3900.00}. The cell phone services were just for me and my duaghter who doesnt even use it really ( shes XXXX ). 

They have neglected their responsibilities and abused their power in a system set in their favor. I have proof of my payment and the final amount being incorrect, the termination fees and 2 phones could not be more the XXXX $ ( i paid 1 year already and they owe me credit from the mistakes they never rectified ). They have ruined my credit and made finding a home for my kid and myself impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
THIS CREDIT CARD WITH CAPTIAL ONE I FULL OF FRDUALENT CHARGES. THE REFUSED TO WORK WITH ME, AND HAVE SENT THIS ACCOUNT TO COLLECTION, IVE TRIED TO DISUPTE THE CHARGES AND EERY THING THEY REFUSE TO COOPER ATE I EVEN OFFERED TO SETTLE THE DEBT WITH THE COLLECTION COMPANY AND THEY REFUSED TO DISCUSS THE MATTER. THEY SENT IT TO A LAW FIRM, WHO SENDS YOU OFFERS OF SETTLE MENT, AND WHEN YOU GET THE MONDY AND CALL IN THEY INCREASE THE AMOUNT AND SAY THAT OFFER IS NO LONGER AVAIALBE. I HAVE NEVER HAD SO MANY ISSUES WITH A CREDIT CARD IN MY LIFE. THEY ARE A BILL BULLY, AND STAFF ARE RUDE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My husband XXXX XXXX XXXX recently awarded from as XXXX XXXX XXXX XXXX. what that means that we're no longer paying property tax. We have contacted our mortgage company '' Mr. Cooper ''. Spoke to many different representative. First one rep was nice told us they will get contact the tax office and will get it taking care. That did not happened. I called back XX/XX/XXXX date might be wrong, because we have called them multiple times. and everyone we spoke to give us different story. Long story we have provided proof to requested the mortgage company to stop the paying property tax. they said it's only {$250.00} exempt. I even the give them the person at tax officer Mr. XXXX XXXX XXXX XXXX XXXX XXXX. He is the one that approved the property tax effective date XX/XX/XXXX. As I said all this including the letter from MR. XXXX. I have faxed to Mr. Cooper fax # XXXX XXXX on XX/XX/XXXX. 
When I called XX/XX/XXXX spoke to someone, again I have explained all over again. They promised us that they will get in touch with tax office have it resolve. Now today XX/XX/XXXX when I called to Mr. Cooper Mortgage, nothing was done, again they told us that we have to contact the office again. We contact the tax office, they sent us the letter proof of our property tax exempt. The Mr. Cooper Mortgage refused to listen to us and give us a run around while we continue paying for property tax that we should not have. We want MR. Cooper return all money plus interested and finance charges, late fees and return to us.

Company response to consumer: Closed with explanation