vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 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: Io, Inc.
State: VA

Complaint narrative:
I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX. The letters were informing them that the debt in inaccurate and requested a letter of validation. These letters were sent to both the credit reporting agencies and the collections agencies. I later realized that these medical bills were a result of a Virginia State workers comp case and that I should never been billed since I was hurt on the job. I was recently informed that the it was unlawful for them to attempt to collect the debt from me and that it should have handled and paid by the insurance company. 

I have attempted to contact both the collectors and the credit reporting agency and my request have been ignored. As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. 

I am requesting that the account ( s ) be deleted from credit report and all further bills be paid by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 account is not mine. I am victim of identity theft and I do not want to see in my credit report information that does not belong to me. I do not know this item and ask you to remove it as soon as possible because its killing my score and report. Thank you for understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: NY

Complaint narrative:
Hi. I was given a treatment by MD without taking a consent from me and explaining that it could result charges insurance may not pay. Now collection agency Americollect , Inc is reporting this dispute to credit bureaus. I asked collection agency to provide me the proof of consent given to MD for this medical treatment but they couldnt. 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
AMERICAN EXPRESS XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX Please provide the following :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
During the pandemic my son who is the main person in the loan contacted the loan company and asked for a forbearance due to the covid 19 situation. A cording with the federal Government students couldn't excuse for 3 months without been report to the credit bureau. After My son called to the loan company XXXX XXXX the reported my son and myself for late payment for 90 days, violating federal rules. I called XXXX XXXX and their representative stated to me numerous times that they are private lender and they don't have to follow federal regulation. That whatever federal government said doesn't apply to them. 

This is my second complaint and the first one someone from XXXX XXXX called me and stated that they will take care the issue, however, that was a lies. I spoke with a representative on XX/XX/2021 and he stated that they are private lander and the federal regulation doesn't apply to XXXX XXXX. 

My son is making payment on these loan and they have don't care about poor students, XXXX XXXX use dirty practice and customer service are very rude. 

I want them to remove my name from my son 's loan since he is working and able to make payment. We submitted the cosigned removal report to XXXX XXXX and the rejected our request. 

I want XXXX XXXX to remove our name from Credit bureau because its affecting our credit report without any reason. 

I want federal government to open an investigation on XXXX XXXX regarding student loan because they using dirty practice to collect money from poor people that cant afford to pay now and for not follow federal guidelines. 

The student loan # XXXX and 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 2021-03-08 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:
Hello, My name is XXXX XXXX. I am writing this 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 these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: VA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The debt is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: MS

Complaint narrative:
IN XXXX XX/XX/2020 I RECEIVED BILL STATMENT FROM RASH CURTIS ASSOCIATES, THE LETTER SHOW I AM IN XXXX XXXX XXXX SERVICES TREATED PET FOR {$270.00}. AT SAME DAY I CALLED THE RASH CURTIS ASSOCIATES I TOLD THIS COMPANY I NEVER FEED A PET AND I NEVER GO TO XXXX XXXX XXXX XXXX TREAT A PET. I REALIZED THAT SOMEONE WAS USING MY NAME TO MAKE EXPENSE SO I IMMEDIATELY GO TO MY LIVE CITY POLICE DEPARTMENT TO REPORT THIS ISSUE, THE XXXX GAVE TO ME REPORT CASE NUMBER, THEN SAME DAY I SENT IT TO RASH CURTIS ASSOCIATES AND EXPLAIN THAT. XXXX XX/XX/2020 I RECEIVED LETTER FROM RASH CURTIS ASSOCIATES AGAIN, THIS COMPANY STILL LET ME PAY THAT BILL STATMENT, I NEVER EXPENSE AND I NEVER USE THAT SERVICE SO I DO NOT PAY IT, ALSO THE LETTER SHOW 'S PHONE NUMBER IS NOT FOR ME I NEVER USE THAT NUMBER. IT WAS NOT LONG I SAW IT ON MY CREDIT REPORT SHOW THIS IS FOR ADVERSE ACCOUNT, PLESE SEE ATTACHED I WILL UPLOAD ALL INFORMATION IN THERE, I HOPE THAT CAN HELP YOU REVIEW MY CASE, THANKS IN ADVANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: NE

Complaint narrative:
i called in fraud charge {$30.00} XXXX and they credited me in XXXX now in XX/XX/2021 they recharge my statement {$30.00} for fraud charge i did not make, i want it credited i called 6 times every day and told them to call me and they never called me to fix this problem. i will not pay a fraud charge of {$30.00}. only thing i got was fraud dept needs to handle it and every time i get on hold for 30 mins and then they are closed at XXXX to talk to someone and they wont call me back when i say call me to fix this. this pers hermalinda miemaszyk XXXX ext # XXXX is the responsible party for putting this on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/XXXX i got a report that had invalid information form Lexis Nexis I submitted a investigation after reviewing everything per their request XX/XX/XXXX Incident number XXXX My customer number is XXXX Case number is XXXX These company is stating that they have no idea and i should have called as they do not do any investigations by email request. note to that the report has a form that you fill out that it states investigation request please email I'm speaking to the company but they are no help i feel due to miss representation of this company report I have paid extensive insurance premiums I'm talking over {$6000.00} a year. I have a clean report on my driving and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX I went with my boyfriend to the Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX around midday to make a cash deposit. Since I did not make the bank business hours ; I then proceeded to deposit the cash through their ATM. The ATM only taking up to 30 bills at a time ; I did two transactions. The first transaction I inserted thirty, {$20.00} bills, equaling to {$600.00}. The first transaction went fine. So I went ahead and proceeded to insert the second batch of thirty, {$20.00} bills. The ATM miscounted the money the second time. It only read {$400.00} rather than the {$600.00} I inserted. There are only two options after it counts the money ; which are, to confirm or to cancel transaction. Since the amount was incorrect I chose to cancel the transaction thinking it was going to just return me all the cash to re-insert again. But to my surprise, the ATM only returned me the {$400.00} rather than the {$600.00} I inserted. Right there and then I called the customer service number on the back of my debit card to let them know the situation, they said they would get back to me within 10 business days. Going back and forth they weren't able to solve my issue. Till this day I have not received my missing {$200.00}. I call the branch manager, Mr. XXXX and I always get the " He's with a customer, he's on the other line, he's not here '' leave my number but never get a call back. I've been a customer with them since XXXX and its really frustrating how they simply cant resolve my issue. I have my boyfriend that could testify that all this information is true. I truly hope this can get resolved. Thank you!

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 2021-03-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.

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 2021-03-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tryin to clear up some incorrect items on my credit report. For some reason I can not get he credit bureaus to answer my disputes and send me that out come of their findings. I do not understand why they arent working .They are reporting late payments which i have never been late on anything in my life. I filed disputes and on all the incorrect items and i have attached those disputes so you can see what I am disputing.

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 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX : On XX/XX/XXXX, my husband XXXX XXXX died. I am his wife/widow and was appointed as his Personal Representative. I quickly notified Citibank of his death and subsequently provided it with the documents issued by the Court. Citibank assigned it to XXXX XXXX XXXX Services ( XXXX  ). XXXX advised in several phone calls that once the account was assigned to it, that ALL late charges and interest fees were frozen and that the amount owed was the amount due on the date of XXXX XXXX ' death. I asked and their representative could not tell about repayment deadlines. XXXX 's letter dated XX/XX/XXXX shows the amount owed on that date as {$4500.00}. I made payments to Citibank : XX/XX/XXXX : {$180.00}, XX/XX/XXXX : {$750.00}, XX/XX/XXXX : {$350.00}, XX/XX/XXXX : {$500.00}, XX/XX/XXXX : {$350.00} TOTALING : {$2100.00}. On XX/XX/XXXX I called XXXX & asked for a balance. Their Representative said the account was returned to Citibank in XX/XX/XXXX & gave me a phone number to Citibank Probate Dept. On XX/XX/XXXX I received a 1099-C issued to XXXX which shows a date of XX/XX/XXXX for {$4300.00}. I called Citibank & spoke to Representative # XXXX and asked how Citibank got the amount in the 1099-C because the amount didn't reflect the payments I made and NO ONE told me that it was going to be " Cancelled '' or that a 1099-C would be issued. She told me she didn't have any information & to talk to my tax advisor. I told her that suggestion was ridiculous and that my tax advisor would have NO information. I asked for a Supervisor or Manager. She said none was available. I asked for the name of someone somewhere that I could ask my questions & was referred to the Presidential Dept of Citibank in XXXX XXXX, SD which she said had NO phone number, NO fax number and NO email address. I sent a letter to the address on XX/XX/XXXX. Today I received a letter from Citibank dated XX/XX/XXXX which said the debt in the 1099-C was accurate and gave me NO other options to address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 {$3000.00}, {$0.00}, {$2200.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -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 2021-03-08 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 {$3000.00}, {$0.00}, {$2200.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had an opened dispute with Citibank for the charges {$4000.00} from the merchant XXXX XXXX XXXX back on XX/XX/XXXX. And I had multiple supporting documents where it shows this company is scam and they were selling defected and wrong product. Citibank had all my supporting documents and all these months I was hoping they will resolve this fraudulent charge and they will credit back the amount to my account but after 8 months dealing this problem with merchant and with Citibank I got a letter from Citibank on XX/XX/XXXX where it says they are closing the dispute and I'm responsible for this charges. 

Me and my sister had the same problem with the same merchant and my sister had a XXXX XXXX account and she opened the dispute with her bank at the same time as i did and we both had the same supporting documents and proofs, she got her money back already a long time ago and her case was closed in her favor but my bank, Citibank, within these 8 months didn't give me any reasonable explanation why they couldn't resolve this issue in my favor. 

Please investigate this matter and if you need any additional information please contact me at XXXX. 


Attached you'll see all supporting documents for this transaction. 


Best Regards 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 2021-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Before I left XXXX XXXX and moved to XXXX  I broke a Lease which I paid off when i dropped off the keys The Original Apartment Complex was Bought out and I was Sent to Collections saying i owed a Balance, Which I do not I disputed Several times and can't get it resolved or Proof of Debit closed out

Company response to consumer: Closed with explanation