vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
Fortiva allowed XXXX XXXX XXXX XXXX to charge my account for {$6600.00} without my authorization on XX/XX/XXXX. I did not provide the company with my card or account information nor did I sign anything authorizing the payment. My roof was supposed to be installed on XX/XX/XXXX. My contract stipulates that I do not pay anything until the work was done and I signed off. I contacted Fortiva once the work was not completed on XX/XX/XXXX to ensure that the company could not charge my account without my consent. I was told they would not be able to debit my account without my authorization. I still have not received confirmation from the company the work is completed and now my roof is leaking. I never spoke to XXXX XXXX about processing the charges and was unaware until I saw the charge on my account. Fortiva has allowed this company to debit my account unauthorized and still has not reversed the payment after being notified of this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: AL

Complaint narrative:
I have previously disputed this charge several other times.SEE other complaints by me regarding this issue. 

1. The correct amount is NOT {$790.00}, it is {$370.00}. See exhibit # 1 & 2. This is the bill for the physicians part of service and description of what this charge is. Note the physicians name and description in middle of page, note date of service etc. 

2. This charge already appeared on a XXXX, XXXX, XXXX, XXXX credit reports.On the first three I got it removed via previous cfpb complaints except for XXXX. See exhibit # 2. I did not owe this and this is not my debt because I had filed for indigency which was approved for both the er visit and the physician part. See exhibit # 3. It is illegal for this charge to reappear after it has already appeared on a credit report. 
****see cfpb complaints XXXX & XXXX **after last complaint here, collector took it off and said it was marked as unpaid. I thought that meant it could not be sold again. 
3. I was able to get this removed from all previous credit reports but Im now disputing the XXXX report where THEY HAVE REPORTED IT THREE TIMES. It does not belong on my credit report now since I filed for indigency, due to my economic situation at the time. See exhibit # 3. Also note my balance due is {$0.00}. The hospital wrote off the whole amount due to the indigency. The physicians did the same following the hospital. The indigency application follows all charges.

4. It needs to be removed from my credit report PERMANENTLY because it is not a valid charge, for the reasons stated above.It should not be able to be sold again. 
Please remove this charge from my credit report. It is inaccurate, illegal, invalid, fraudulent. 

XXXX XXXX, XXXX XXXX XXXX, XXXX al XXXX ( ss XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: CA

Complaint narrative:
I recently tried to apply for a new credit card and didn't get accepted due to a collection n showing on my credit report. I was unaware of the bill and would have never found out the bill existed if I hadn't run my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 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: CITY NATIONAL BANK
State: CA

Complaint narrative:
CNB Crystal VISA Infinite # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. 

On XX/XX/2020, I received an email from XXXX XXXX ( please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. 

On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. 

What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. 

This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. 

If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. 

Thank you for your time and consideration. 

Sincerely, -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TX

Complaint narrative:
EQUIFAX has been contacted and seems as if they're ignoring the investigation. Account specifically ( CONNS ) they mentioned Verified as Accurate, is NOT accurate at all. I have no responsibility for this account nor has the company even reached out. 

There needs to be a better job of investigating this is ridiculous. No information has been given to me from Equifax nor the companies reporting and Equifax is the only bureau reporting. It's now over 6 months and this problem persists!!! 

Per Certified Mail, Equifax HAS received mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CITY NATIONAL BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX  XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. On XX/XX/2020, I received an email from XXXX XXXX XXXX please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. Sincerely, -XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX  XXXX Police Department report, which verifies my situation.

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 2021-01-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
My mortgage was transferred for servicing in XX/XX/2020 to DMI original mortgage is thru XXXX XXXX XXXX. They are trying to collect over XXXX. I sent bank statements showing where payments were electronic withdrawals from my bank account and they are saying thats not proof of payment. Have called numerous times still not resolved. Also in XXXX when they took it over there was a deferred interest payment applied for a little over XXXX no clue what this is and they cant tell me either. Im extremely XXXX now. No one can go through this account over the phone they send payment history that doesnt match or make sense. I get letters saying Im going in to default. I need help from someone. I researched the reviews and numerous complaints and reviews are exactly like mine they had 1 star ratings. Help!!! Also cant speak with anyone at XXXX it automatically transfers to DMI

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX XXXX Police Department report, which verifies my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX XXXX Police Department report, which verifies my situation.

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 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank continues to report an account ( JPMCB CARD XXXX ) on my XXXX  credit report that is a business account for which I have no personal liability. XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-02 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: FL

Complaint narrative:
Experian has consistently violated the Fair Credit Billing Act by mishandling two of my disputes that I have repeatedly sent to them by certified mail. They refuse to reinvestigate them, refuse to clearly note that they are disputed by me, and refuse to provide either my statement or a clear and accurate codification or summary thereof. XXXX XXXX XXXX, and XXXX have all removed these items from my consumer report. 

XXXX I disputed this item with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX XXXX I disputed this item with Experian on XX/XX/XXXX and XX/XX/XXXX. 

Experian refuses to delete inquiries that were obtained without permissible purpose. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
XXXX has placed a collection on my credit report for a bill and balance that is a business account not a personal account and Im not the person who opened up the account Ive filled a complaint with theXX/XX/XXXXand not luck I would like forXX/XX/XXXX to remove this account from my credit report

Company response to consumer: Closed with explanation