vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I got treatment at XXXX XXXX last year ( XXXX ) XXXX. Each time I went, I paid and was told that was the full payment. Months later they are harassing me for anywhere between {$190.00} and $ XXXX, and it keeps changing. I need a letter telling them that I do not owe this bill, that they are to cease and desist, and clear my balance to XXXX or I will take further legal action, whatever that would be. I don't know. I can provide bills and dates but I'm not sure if I can find everything outside of from their website. LMK what I need. At one point they told me all I needed to do was call my insurance company, but I told them that they are overcharging because it was supposed to be paid in full at the time. Regardless, I have called their billing department numerous times and they have only called me back once and left a message. I have been unable to get in touch with them, and as I mentioned above, they keep changing the amount they say is due. I believe this is at best incompetence, at worst, they are scamming me with fraudulent medical billing. I'm not sure which, but the fact that I can not get in contact with billing is a bad look. 

I had my lawyer write them and their collection agency, Transworld Systems ( XXXX ) XXXX, to tell them this, and to stop contacting me, and they have contacted me at least 12-20 times since then through calls and letters. I am filing a complaint here and with the XXXX Attorney General about their deceptive business billing practices and collection practices. 

I am including the draft letter from my attorney ; I have just requested a copy of the final letter, which I will update here later. The changes are minimal and do not change any meaning of the letter. 

THE LETTER WAS SENT XX/XX/2022. AS OF THIS DATE, NEITHER I NOR MY ATTORNEYS HAVE RECEIVED A RESPONSE TO THIS LETTER. I HAVE ONLY RECEIVED MORE HARASSING CALLS AND LETTERS ABOUT THESE FRAUDULENT CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is fraud/erroneous. I had an open account with this company but never charged services. 

I filed an official dispute and sent proof that I didn't have a debt/balance with the company, and since then ( over 90 days ) have chosen not to get back to me within that promised 90 day time slot. They are still truing to collect even thought the account is in dispute. Their dispute/fraud department will not take my calls and frequently hang up the phone when I call them. 

They are ruining my credit because i refused to make payment on money I never borrowed.

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 2023-02-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, my credit card was charged 4 times for amounts ranging from {$500.00} to {$750.00}. I have called customer service multiple times over the past month trying to get these charges refunded to my account. So far I have only gotten 2 disputes cleared. Every time I call Citi, they tell me it will take a week. A week goes by, I call again, and I'm told it'll be another week. I feel like I am being scammed by Citi.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is the account name, number and how much be allegedly charged off. 

CAPITAL ONE XXXX {$460.00} CAPITAL ONE reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' CAPITAL ONE is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by CAPITAL ONE to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX XXXX XXXX XXXX XXXX a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If CAPITAL ONE has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

CAPITAL ONE is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

THIS IS A SECOND NOTICE OF YOUR VIOLATION OF FEDERAL LAW DELETE ACCOUNT OR I WILL REPORT THIS FEDERAL VIOLATION TO ATTORNEY GENERAL OFFICE, XXXX, IRS AND MOVE FORWARD WITH LITIGATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received a letter on XX/XX/23 that PNC Bank will be closing my account on XX/XX/23. I attempted to call them to solve the problem that led them to wanting to close my account. They will not give me any reason at all as to why theyre closing my account. I have already filed my taxes and my tax return is coming into that account and I cant change it and they will not keep the account open until my tax return comes in. I have no idea what I did to cause them to close the account and I have had this bank account for almost 6 years and have never had a problem before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
This is the second credit card company in the last year where someone is trying to open a a credit card account using my name.
I would like to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 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: CA

Complaint narrative:
XXXX XXXX electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from XXXX XXXX after the accounting billing was corrected and paid. XXXX XXXX refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to XXXX XXXX for the lack of current billing and account information provided by XXXX XXXXXXXX and they should have made the correction to remove the negative record last XXXX, and they still have not done so.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit JXXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7700.00} XX/XX/XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$7800.00} XX/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 2023-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I've already filed a complaint on this bank and you have closed it. And I don't agree with the outcome. I have been with this bank as I've seen it grow ... .from XXXX XXXX XXXX Wachovia , to WellsFargo. I started my business with them when I got my very first paycheck. I am turning XXXX this year! They are the only Bank I have done service with basically my whole life. Do you think {$500.00} is enough pay back? That is what a lifetime of broken laws is worth? I added up just XXXX years of overdrafts and it was close to {$3000.00}! 
You have everything from the prior case.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
After multiple complaints and attempts to get inaccurate information removed, these credit bureaus are still reporting these negative items on my credit report. 
U.S. Department of Ed. Partial Account # XXXX .... 

The Credit Bureaus stated my account was " Properly Investigated '', but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, this is grounds for removal and violates my rights under 15 U.S.C Section 602 A. States I have the right to Privacy.

15 U.S.C Section 604 A. States A consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was recently a victim to a scam. I paid XXXX dollars through Zelle with the expectation that I was going to get that money back ( according to the scammer ). After the money was sent, I was threatened and extorted for more money which is when I got the authorities involved. My other XXXX  XXXX XXXX claims are still being investigated but this one was denying giving my money back. This transaction occurred on the XXXX of XX/XX/2023. XXXX held an " investigation '' but nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol One electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from Capital One after the accounting billing was corrected and paid. Capitol One refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to Capitol One for the lack of current billing and account information provided by Capital One and they should have made the correction to remove the negative record last XXXX and they still have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
The seller told me to send the money to XXXX and when I did he now says XXXX XXXX isn't correct name. that's a persons name not a pay pal name but he insist I made a mistake. I have chat history proving I'm right. PLEASE HELP! 

Pay Pal receipt shows transaction will show as XXXX XXXX DEBIT_CARD You'll see " PAYPAL XXXX '' on your card statement. 
{$310.00} Transaction ID XXXX I done everything according to seller and now he says he is not getting the money I would like to get this money returned to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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: Accscient, LLC
State: MI

Complaint narrative:
On XX/XX/2022 Nationwide Recovery Service reported eleven ( 11 ) separate collections accounts on my credit report. I had not been contacted by them prior to this. On XX/XX/2022 I called and spoke to an agent. I did not verify my address, in fact I told them the address they gave me was wrong, did not verify my birthday or any other PIH information and the agent provided me with dates that " I '' was in the urgent care. I staunchly believe that to be a HIPPA violation. Once I explained this breach of privacy as they did not verify it was in fact me on the phone, approximately 20 minutes later re-reported the debt on my credit report. The agent was extremely rude and retaliated when I stated that I would be making a complaint. Secondly, after reviewing the new changes to medical bill reporting, I called and asked why these debts were still on my credit report as all eleven ( 11 ) are under {$500.00}, with the most being {$320.00}. The agent said that because the total was more they won't take them off, however they are each reported as individual accounts. That agent began yelling at me in an extremely rude manner and hung up as I was trying to ask a follow-up question. I am very afraid of this company and what they may do to retaliate.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XXXX I lost my Debit card. I last used my card at XXXX XXXX XXXX XXXX earlier that same day ( {$4.00} ). I realized I lost my card later that evening when I arrived home. I called customer service to order a new card. I then became aware of 3 unauthorized transactions that had been done while my card was lost. Those transactions actions were XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$820.00} and XXXX {$86.00}. I was told I would have to wait a few days until the transactions " Posted '' to the account before I would be able to file a dispute. I filed a dispute on XXXX  Dispute # XXXX. On XXXX/XXXX/23 I was informed by the bank that my Dispute was denied. How could they investigate my dispute in less than 24 hours? I'm very hurt and offended. I'm XXXX XXXX XXXX and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-17 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:
Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures:
a. List of Fraudulent Accounts on my Report
b. FCRA Sections 605,609,6011
c. Proof of Identity and Address
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  SS#: XXXX
To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
INQUIRES:
Prepared For XXXX XXXX XXXX Date generated: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments Balance updated 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
Consumer complaint received 2023-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2023, I purchased a laptop through Best Buy that cost {$1400.00}. I opted to take advantage of the Best Buy / Citi Bank offer to open this credit card and receive a 10 % reward. I applied for the credit card and was approved. I was confused when ordering the laptop online, I wanted to make sure I got the 10 % credit, so I called Best Buy to assist me with the order. The customer service rep assisted me on a recorded line and walked me through the process. When it came to choosing the finance options I specifically asked if any of these options would affect my 10 % discount, which was approximately {$140.00}. The Customer Service Rep said no you can choose any option and you will get your 10 % reward. I chose the 12 months no interest and again confirmed that this would not affect the 10 % reward. The order was placed and chose the option to pick up the laptop at the local store that day. My intent was to take advantage of the promotion and had no intention to pay for this with a credit card long term and why the 12 months no interest was appealing. I have already paid {$500.00} since XX/XX/2023, however, did not see the reward on my account. I called Best Buy to resolve this and had to escalate this to a supervisor as Best Buy stated they can not resolve this situation and give me the 10 % reward even though I called Best Buy on a recorded line to assist me to complete the purchase correctly and get the 10 %.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief