vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/21 I had TWO stitches put into my hand, and was charged OVER {$1400.00}, a procedure that on average costs right around {$200.00} altogether. I used an in network medical provider and had health insurance. I was told to pay a balance of {$480.00} before I was to be serviced, which I paid in full while I had an open gash in my hand ( documented ). I asked if there was anymore I would owe or be billed later to which I was told no. ( documented ). I was not given an option to refuse an x ray later in the procedure which I was also billed separately for and not notified, so they could code me under a level 4 service and charge me more. ( Also documented. ) I also asked for an itemized list of everything I was specifically being charged for, which I was not given and instead mailed a very vague list which only showed me I still owed {$120.00}, but the math did not add up since there was none. I was certain I had paid my debt in full already. I contacted my insurance company and they were also confused, and was put on a 3 way telephone call with the medical center I was serviced at. This call ended with the medical center unable to provide an adequate explanation as to why I somehow still owed {$120.00} after receiving {$1300.00} between my insurance company and I for XXXX STITCHES, and my insurance representative confused as how I still owed as well, or why I was forced to make a {$480.00} payment before I was allowed to be serviced when I had health insurance. Now Im being sent to a debt collector over a petty {$120.00} after receiving MORE THAN ENOUGH from insurance and I for a XXXX  stitch procedure.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a purchase from XXXX through my checking account with Capital One. Please know the following facts, because I have direct deposit, Capital One allows access to my funds, 2 to 3 days before my actual pay date. In this scenario, I get paid on the last day of the month, which would have been XXXX. I made several purchases on XX/XX/XXXX that posted to the account by the XX/XX/XXXX and the funds were removed from my available balance. The purchase was presented to Capital One on XX/XX/XXXX and posted to account by XX/XX/XXXX. On XX/XX/XXXX the {$590.00} was removed from my available balance. Today, the XXXX seller refunded my transaction in the amount of {$590.00}. Today to my surprise, in my Capital One account it states that I had a purchase that posted today in the amount of {$590.00}. Capital One has removed these transactions from the log. When I called Capital One they stated the purchase I made only posted today. When asked where did the money go that was removed from my daily balance, they said that the transaction today was actually a credit and would be posted to my account in 10 days. This was the same information that XXXX said I should see a credit in 10 days. The issue is that this transaction caused a negative balance in my account. So I have direct deposit in this account, what will happen they will clear the negative take the XXXX again which will make three times and only give it back to me in 10 days? This is a XXXX XXXX XXXX, I am out of {$590.00} twice right now. XXXX states that they have proof that the money was refunded, Capital One says the transaction was a refund, that will not get posted to my account till 10 days, in the meantime the negative XXXX represents the original transaction posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MI

Complaint narrative:
In XXXX of XXXX, FED LOAN took possession of my student loans. FED LOAN is inaccurately reporting 15 late payments starting on XX/XX/XXXX through XX/XX/XXXX on all 3 of the major credit bureaus. On XX/XX/XXXX, my student loans were in consolidation, and the next due date was due on XX/XX/XXXX. I have submitted an attachment listing the information. 

On XX/XX/XXXX, I talked to XXXX id # XXXX who stated that my loans were in forbearance for 30 days, which I believe this is inaccurate because the loans were consolidated. I have submitted an attachment listing the aforementioned information. I am unable to resolve this issue with FED LOAN because every time, I call the staff was impolite and were unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App has stolen fund from me and presumably many more victims. 

On or about XX/XX/2021, I attempted to add my Cash App account to my new device but was denied access. Cash App has since then withheld all my funds, without justification or the legal right. They repeatedly had me try the same processes, that have not worked. I have requested supervisors and have been denied, telling me one is not available. I have requested a physical or virtual office to submit my Identification, to be told one does not exist. I have requested any method to identify myself, to gain access to my funds and have continued to be denied. This negligence by Cash App is causing me additional financial and emotional hardship. 

I have received more than a dozen emails and made over a dozen phone calls since XX/XX/2021 and have been given nothing more than a run around, not one method or representative has gained me access to my funds. I desperately need to provide for my family and Cash Apps refusal to grant me access to my funds, further hinders that.

I have requested Cash App release and give me access to my funds, immediately. 

I am an unemployed, single mother that is struggling through a lot of financial hardships. I was loaned money to help pay for my utilities and give my grandson a birthday in the amount of {$220.00}. Cash Apps criminal behavior has further exacerbated my financial distress and has caused emotional distress as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 Bank of America started closing all of my personal and business accounts without warning or notice. I own the only Medicare Certified home health agency that services three rural counties in XXXX California. I pleaded with Bank of America to give me 30 days so that I could transition my payroll and other important business transactions to a new bank. But Bank of America would not respond and proceeded to close my business accounts, causing my agencies Medicare deposits to be returned to Medicare. 
This has nearly caused the closure of my agency.

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 2022-02-07 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: FL

Complaint narrative:
This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX as well. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times to the credit reporting agencies. XXXX, XXXX, and Experian refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.

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 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited approximately {$10000.00} into a Bank of America ATM. The check was issued by XXXX XXXX XXXX and it was the third of its kind deposited to the same account over the last 90 days. 
We processed some bills and on Monday XX/XX/XXXX an ATM transaction was declined. I checked the account and found that Bank of America had reversed the deposit without calling or emailing me. They debited my account for {$10000.00} and causing it to go negative and bounced a number of payments. 
I called and was told that the check was reversed because it was not endorsed. Meaning it was my fault. I insisted that the check was signed and the next customer service agent was able to confirm this by looking at the scanned check image. 
They are not crediting the account and I was told I have to wait between 2 and 12 days for a decision. 
I have NO CASH as a result and more bills are going to bounce. I can not take out cash for gas or food. 
I did everything right and Bank of Americas error is causing a tremendous amount of difficulty and stress and anxiety. We have no recourse and they will not release any of my funds to help cover my family.

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 2022-02-07 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Lending Club Corp
State: CA

Complaint narrative:
My name is XXXX XXXX I was contacted by a contacted by a debt collector on XX/XX/2022 at XXXX XXXX in the XXXX advising me that I had open a bank account with XXXX XXXX is XXXX XXXX in the amount of {$1700.00} I advised them that I had never opened an account and I've never heard of that company they were unable to provide me with any I contacted XXXX regarding the account the account they advise me to contact use me to contact lending club and XXXX XXXX Who opened the account I am not in need of any money and I do not need to open a bank of account I have an established bank account with a financial institution she advised me to this link to report the fraudulent activity activity my email is XXXX XXXX phone number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I need your help in resolving this issue. I need your assistance with this fraudulent case I have been receiving suspicious emails that someone has also tried to open up a XXXX claim with unemployment unemployment I would appreciate all of your help and feedback thank you very much sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: AZ

Complaint narrative:
On XX/XX/2022 my spouse, XXXX XXXX, authorized Equifax XXXX XXXX XXXX  to pull a credit report on himself. My spouse did not provide them any information on me, ie : name, social security or DOB. On that same day I received notification that an inquiry was submitted on my credit report in my name. I did not authorize a credit report nor did anyone give them my information. The company was contacted and stated that since it is a mortgage in the State of California it was necessary. They were asked to delete the entry and refused. Again I did not give my permission to have my credit report accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been victim of identity theft. TD Bank has opened multiple accounts under my name and address with different account numbers. I did speak to their fraud department and they were supposed to close all associated with my name. I can not get back in touch with them. New accounts keep coming via the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Recently, I was denied an extension of credit by Capital One Auto Finance On XX/XX/2022, I applied for pre-qualified Capital One Auto Financing. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer pursuant to 15 U.S. Code 1691 ( c ). Capital One Auto Finance assumes civil liability pursuant to 15 U.S. Code 1691e. Capital One Auto Finance has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter Capital One Auto Finance sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, Capital One Auto Finance is also criminally liable. Capital One Auto Finance should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My identity was stolen and credit cards were taken out in my name from navy Federal and wells fargo. A XXXX account was opened in my name and someone tried to open a new checking account through my existing XXXX  XXXX XXXX account. The navy Federal card was used. This has effected my credit score. Multiple hard inquiries were done on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
My credit card was hacked and on XXXX XXXX, 2022 the credit card company closed and was going to send replacement. XXXX was promised on XXXX the XXXX, didn't come. Then promised on XXXX the XXXX, then promised on XXXX the XXXX before XXXX XXXX. Never came. Called multiple times with no satisfaction or where card is. The credit card is Barclay.

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 2022-02-07 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: MO

Complaint narrative:
EXPERIAN LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED EXPERIAN AND XXXX XXXX XXXX TO VALIDATE THE DEBT, PER THE XXXX BOTH ARE IN VIOLATION .... IT TIME EXPERIAN COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR EXPERIAN TO PROVIDE ME WITH THE VALIDATION, XXXX XXXX IS COMMITTING FRAUD AND EXPERIAN SEEMS TO BE WORKING WITH THEM, I DO NOT OWE XXXX XXXXXXXX, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT

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 2022-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself, and there is no third party involved. 

I, XXXX XXXX, a consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX who is issued through Synchrony Bank XXXX I was notified of this denial of my rights specifically XXXX XXXX XXXX Truth in Lending Act via mail by XXXX XXXX XXXX According to XXXX XXXX XXXX definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX adverse action denying me my rights, of which the civil damages pursuant to XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ) ( XXXX ) are up to {$5000.00}. Since the letter XXXX XXXX sent me is both proof and evidence that I was discriminated against, they are now civilly liable to pay me for damages. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an authorized use since I have received NO BENEFIT.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield is attempting to double collect on a debt for XXXX XXXX XXXX, and they have also added {$1000.00} to both claims. This is not a typo, it has been listed on my credit report under XXXX different reference numbers. Now, as of today, they have increased one of claims, further decreasing my credit score. This is all happening as XXXX XXXX XXXX is challenging all of the misinformation and derogatory items that are listed on my credit reports. Hunter Warfield has made relentless calls to my phone as well as my family members. I have become XXXX  as a result of the death of my child who was XXXX XXXX. My sole income was from XXXX and the state for his care, which was immediately stopped the day after he died. I immediately told XXXX XXXX of XXXX XXXX apartments that my income abruptly stopped and I needed to move. My XXXX and I lived at that complex for XXXX years. I briefly lived with family and got a part time job a few months after my XXXX died. Ive lost nearly everything I own. Now Im XXXX, living in a hotel that costs my entire paycheck, while now working full time. No one will rent to me at all because I have Hunter Warfield double listed on my credit reports seeking over {$8000.00} in total for XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief