vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX has violated Texas state law, and when I filed a complaint with the Attorney Generals office of Texas I was directed to file a complainant with yall. 

On XX/XX/XXXX I took my daughter XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXXXXXX for an exam. I was told she needed extensive work done on her XXXX. We scheduled an appointment for XX/XX/XXXX for the procedure and pre-paid {$350.00}. When we arrived I was told we needed to pay the bill in full before any work could be done. I was told we owed {$1000.00} so I paid the requested amount with a credit card. After that the proceeded was completed and we left. 

I never heard from XXXX XXXX XXXX XXXX XXXXXXXX again, no emails, phone calls, or letters in the mail. At the end of XX/XX/XXXXXXXX  I received a bill in the mail for {$350.00} from them. The bill was dated XX/XX/XXXX and had no explanation for what it was for. Just a demand to pay in 15 days or it would be sent to collections. 

According to Texas state law : " CIVIL PRACTICE AND REMEDIES CODE TITLE 6. MISCELLANEOUS PROVISIONS CHAPTER 146. CERTAIN CLAIMS BY HEALTH CARE SERVICE PROVIDERS BARRED Sec. 146.002. TIMELY BILLING REQUIRED. ( a ) Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the XXXX  day of the XXXX month after the date the services are provided. : ''. This bill was sent 1 year and 7 months after the services provided and violates Texas state law. 

I called their billing department and explained this to them and the refused to accept that they violated state law, and demanded I pay. I asked to speak to their supervisor and was told he was busy, I then asked for their supervisor to call me back and I was told no that they would not call me back to discus this further, then they hung up on me. 

They have now sent this to a collection agency ( Tek Collect ) who is harassing me for this illegal bill. As stated I contacted the Attorney Generals office and also my state representatives and was told I should file my complaint with yall. Please find attached all documents I have regarding this. Thank you for your time looking into this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
The following investigations were done by all 3 bureaus and only XXXX has removed the specified accounts. All of these accounts are still listed with XXXX XXXX Experian, if XXXX has removed them all why do these 2 bureaus still have them listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Including all inquiries that have been disputed as well

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attempted to resolve the issue with Equifax they have not responded as of XX/XX/year>. My birth year is completely incorrect. Information I disputed at least 60 days ago have not been resolved unlike the other two bureaus whom are working to address and resolve such issues. My rights are being violated under the Fair Credit Reporting Act. There are unfamiliar accounts and a whole different identity being reported with my report. I made multiple disputes and complaints way over 30 days ago, which NONE of them have been addressed nor resolved. I am really frustrated with Equifax. This is taking a toll on my life and I am trying my best to resolve the issue before litigation becomes necessary. This company is not following the Federal Guidelines. You don't care about the people. We are just consumers to you. If I could refuse reporting from this company. I would. Unfortunately, I am forced against my will to suffer at the hands of Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting 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:
XXXX Dot Bank XXXX CREDIT DISPUTES XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX. 
Account # : XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: GA

Complaint narrative:
REGIONAL FINANCE Account XXXX This item was removed from my credit report. However they did not remove off all 3 credit reports. They only removed from XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number:XXXX Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right

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 2024-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
Hi, I would like to start off this complete by introducing myself and my family. I am a small business owner in my community, and my husband is a XXXX  who both work very hard with two XXXX  children. 

We have been Kia customers since XXXX and have leased 6 Kias. To say that we have been abused emotionally, financially and mentally, exploited, manipulated, robbed and bullied is a complete understatement. 

I leased my sixth Kia back in XX/XX/XXXX located at XXXX XXXX XXXX and in an Unfortunate event my car was flooded but not a total loss on XX/XX/XXXX. I decided to have the vehicle towed back to the Kia dealership ( on XXXX XXXX ) so they can try to fix the issues. XXXX paid the dealership for my vehicle to be stored on their property while all of the issues were being attended to. Within the three months of leaving my vehicle with the Kia dealership, not only Was my vehicle left out on the XXXX XXXX XXXXXXXX Streets and in that time frame incurred 4 tickets That Kia hid from me each time I went to check on the car and the status. After the fourth time my car, then was booted the day before XXXX was going to pick it up and it was only then that the manager XXXX called me so then let me know my car is no longer in their possession but now with the XXXX XXXX XXXX financial division. I was lied to. I was treated inappropriately once I claimed that the dealership had to pay for the tickets. XXXX was the head manager who berated me yelled at me and told me that they were legally allowed to leave the cars out on the street although XXXX has been paying for a storage fee to make sure that my car was placed on their property. They wanted nothing to do with the situation, No one will pick up the calls for me. No one wanted to speak with me and it wasnt until I went down to the financial district that I even find out that they were four tickets That were thrown away by one of the employees. It gets worse- Through these actions, my situation with my car, completely spiraled out of control to the point in which I had to Miss many days of work, fighting the case for many hours and degrading conversation with the staff, Emotionally drained, I then had to continue to pay out of pocket for a replacement vehicle. Pay out of pocket for my car lease and out of pocket for my insurance. And to add insult to injury, my car was never recovered from this situation. 

This entire mess could have been prevented and avoided had Kia the dealership left my vehicle on their property. Never again will I be utilizing this company and allow for this type of abuse. What a precarious situation and I was fully taken advantage of!!!

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 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP
State: MS

Complaint narrative:
the company Security Finance is reporting that I had a late payment in XX/XX/year> to all three major credit bureaus and this is not correct. I had acquired loans with this company multiple times in the past and I had never made a payment late with this company. I have reached out to the company several times asking them to investigate and rectify there inaccurate reporting, but they refuse to and when I ask for proof of late payments, they DO NOT supply me with adequate proof they just keep sending me a letter stating that they are not subject to debt verification requirements. This account was paid in full and closed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
According to the FCRA account Apple Card-GS bank has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
I have written this company two times to request a debt validation letter and verification letter and did not receive the letter. I have also written all three credit bureaus requesting the same information previously twice as well. 
After carefully investigating the company National Credit Adjusters LLC, they are not even licensed to collect in my state that I live in Iowa. 

As such, any attempt to collect the alleged debt from me is in violation of Iowa state law and the Fair Debt Collection Practices Act ( FDCPA ). 

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Iowa Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit 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: DISCOVER BANK
State: AL

Complaint narrative:
I paid XXXX XXXX a total of XXXX dollars for replacement of a XXXXXXXX XXXX XXXX XXXX which XXXX of the charge was placed on my Discover Card on approx XXXX. After I spoke and confirmed with insurance agent that panel was replaced and received a text from XXXX XXXX  that my pool was operable, I paid them. When I arrived home from out of town, I discovered the pool control panel was not replaced and pool was not working. When I confronted XXXX XXXX and XXXX XXXX with XXXX XXXX, I was blocked from any communication. Additionally, I filed a police report and a complaint with the XXXX XXXX XXXX XXXX. 

When I filed a dispute with Discover, I felt I was given the run around. I feel the company FALSELY advertises that their card holders are protected from faulty purchases or fraud. I sent the company a large packet certified mail and at first it was lost by Discover. I had to call four + times and provided the tracking number. When I called on XXXX to follow-up, I was told that I had to receive proof from XXXX XXXX to receive a refund. This is not what I was told by the security department at Discover. I was told " we are a documentation type of business '' and was encouraged to send all the information I had to plea my refund case. I feel Discover is misleading and scamming consumers to say that a consumer is protected and will not investigate the claim. I did not have his issue with XXXX credit card. Furthermore, I explained that I was cut off from any communication from XXXX XXXX  and was told basically too bad ... '' call the XXXX XXXX XXXX. '' I feel Discover should have sanctions due to their misleading public education of protection to their cardholders. I feel XXXX XXXX should have a charge back and I should be relieved of the XXXX dollars charge as I did not receive the item/service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: FL

Complaint narrative:
This is very frustrating. I thought I did all the correct steps, yet this doesn't seem to go away. On XX/XX/XXXX, I posted a used XXXX motorcycle online for sale. I was contacted by lets call him XXXX. He left XXXX down and we signed a partial bill of sale for the balance of XXXX to be paid in 2 weeks. I held the title. In the excitement and confusion, I forgot to remove my license plate from the motorbike. XXXX never returned to pay the balance or retrieve the title, much less to return my plate. After researching XXXX XXXX criminal record of multiple armed robberies and XXXX traffic, I went straight to the XXXX XXXX XXXX office and reported his name, showed the contract, to remove any liability from the stolen plate. I also went to the Driver 's license office and removed my name from the plate on XX/XX/XXXX. About a year later, I start receiving tons of toll by plates and red light tickets. I called the XXXX and showed them proof, and told them to check the status of the plates, they are not in my possession, nor do I live in the same city as XXXX. Over 4 years later, and now I receive a collection agency sent by DOT for fees he's accruing on my old plate. The guy is a whole foot shorter than me, it's obviously not me on the bike. I also live an hour away from where he's at. This has become a nightmare, dozens of invoices, now a collection agency is putting my good credit at risk. How do i make these jokers understand, that tag is not in my possession, and get them to stop harassing me? I'm a XXXX XXXX XXXX Vet that suffers from panic attacks and XXXX, there's no reason for me to have to stress over something I've taken care of 4 times already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I received a VISA card in the mail, with information on how to activate the card. This was done by Kohl 's, in conjunction with Capitol One. 
I had a Kohl 's store account, but I did not request a VISA card. I contacted Kohl 's stating I did not want the VISA card and I wanted to ensure it was not set up. I was told they can not assist me, and that I would need to all them back after XX/XX/year>. 
I then closed my Kohl 's account and requested to speak to someone who could make sure the VISA card was not an active account. No one was able to assist. They insisted my only option was to call later in the month. 
I do not like having an un-requested VISA card show up in the regular mail, and I do not like that I can't close the account, or ensure it isn't an active account, until over a week from the day I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I am writing to express my deep concern regarding a recent transaction on my Costco VISA card. On XX/XX/XXXX, I enrolled in Citi 's Flex Pay program to divide a {$3200.00} purchase from XXXX XXXX XXXX XXXX into five equal monthly payments.

However, I have encountered two significant issues : Premature Withdrawal : The first payment was withdrawn from my linked XXXX account a day earlier than expected. This unexpected withdrawal caused my account to overdraft, resulting in severe financial inconvenience. 

Incorrect Amount Withdrawn : The amount withdrawn was not as anticipated. Instead of the first installment of the {$3200.00} purchase, the entire balance, including the {$3200.00} charge, was withdrawn. This is contrary to the purpose of using Flex Pay to spread out the payment over five months. 

I understand that my XXXX settings are set for " Full Balance. '' However, I assumed that by using Flex Pay for a specific purchase, the system would automatically adjust the payment amount accordingly. 

Additionally, I was charged the Flex Pay fee, which is typically associated with splitting payments. Since the entire balance was withdrawn in the first payment, it is unclear why this fee was applied.

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