vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Hi, I visited the XXXX XXXX ER on XX/XX/2020, with complications due to having a XXXX. They were unable to do anything for me, but I did submit my Medicaid information to them on that date. I also submitted the information again on XX/XX/2020, to the billing department. Around XX/XX/XXXX I received a bill for the services rendered, showing no insurance information. I emailed the billing department and let them know, they advised me NOT to pay and that they would correct this issue. I also called multiple times and talked on the phone to the billing department, and they again told me do not pay it, they would fix it. They never billed my insurance for the charges, which were about {$1600.00}. Instead it got sent to a collections company called Medical Data Systems. It is also listed as an OPEN ACCOUNT on my credit report. I've tried to dispute the collections account many times, but it will not come off. I don't feel that I am responsible for these charges, as I had FULL COVERAGE MEDICAID while in the hospital and after the hospital stay and submitted that information to them multiple times.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Trans Union credit reporting has locked me out of my account. They will not allow me to file a dispute against an incorrect reporting on my file. 

I reached out to their customer service, in an effort to get my file unlocked and they now say they can not find my record in their system. This is the same record that they are incorrectly reporting a collection account.I received this email back from them : Unable To Locate Account - Need More Information Dear Customer, We were unable to match your information to an account. You may try to resubmit - paying close attention to the accuracy of your submission. 

Sincerely, Your TransUnion Support Team

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from Kohl 's Corporate office XXXX XXXX. Stating she would like to discuss this matter over the phone since I was a VALUE customer. The number listed on the letter is either invalid or incorrect. I called the main corporate number, the operator was not able to validate if this was a legitimate telephone number to XXXX XXXX, however she did verified XXXX XXXX worked for Kohl 's Corporate Office. She was able to transfer me to a voicemail, however due to privacy did not allow me to have her direct line or extension. The voicemail states XXXX XXXX is working from home and would only let me leave a voicemail. I have left several voicemails and no return calls as of today ( 4 weeks ago ). Obviously I am not a VALUE customer after all. So this just reassure me that this is more of a copy and paste reply then an actual person looking into my complaint. 
You report my account as 30 days behind over {$4.00}, XX/XX/XXXX payment received after due date {$50.00}, XX/XX/XXXX payment received {$50.00} ... ..Kohl 's charge a late fee on the due date, not the day after. So as a card holder you are stating in the statement payments are to be posted before midnight prior to due date to avoid late fee. My due date is the XXXX of each month, if you look at my statement you charge a late fee on the due date. I have been a VALUE customer since XXXX never missed a payment, {$4.00} cause my credit score to drop 23 points because of an human error ... .really ... ..Then you can't return calls and your work underneath the president of the company ... .REALLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes it harder to make credit transactions due to the fact that this had an effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Lived in an apartment complex moved out at the end of lease they charged me with charges that were no suppossed to be charged. Disputed with the apartment complex they sentit to a collection agency who also reaged the debt

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 2021-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the last two years, I have been making installment payments on time. On XX/XX/2021, I tried to make a payment over the phone using my debit card, but the phone operator told me that their system to make debit payments wasn't working so we had to try again the next day. The next day, XX/XX/2021, I tried to make a payment again, however, their system was still not working according to the phone operator. 

On XX/XX/2021, I drove to one of their offices located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I tried to make a payment with my debit card and they refused to make the payment because their system was not working. 

Even though I tried to make the payment on 3 different occasions Oportun is imposing a late payment fee of {$15.00} dollars. A new late payment fee was imposed after the next due date came. I have tried to talk to them multiple times, explaining that it was their fault that the system was not taking debit cards at the moment. They refuse to remove the late payment charges and threaten that they will keep charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MS

Complaint narrative:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a complaint with you stating that this company is reporting several factors of inaccurate information on my credit report. On XX/XX/XXXX, Vervent, the company in question responded to my complaint. 

Vevernt stated that " THEIR COMPANY DOESN'T HAVE ANY RECORDS OF AN ACCOUNT BEARING MY NAME. " In addition, they stated that " WE ARE UNABLE TO LOCATE THIS ACCOUNT BASED ON THE INFORMATION PROVIDED ''! 

I have made all the proper attempts and used all proper measures with resolving this wrongful information being placed on my credit and damaging my current state of livelihood!

I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I DO NOT OWE THEM! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.

The case was closed with you and no resolution was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Opened Citi Priority checking & savings accounts on XX/XX/XXXX. I deposited {$25.00} into checking & {$50000.00} into savings and kept the money in for the required 60 days in order to receive promotional {$700.00} bonus. I moved the $ XXXX to a Citi Bank Accelerate account on XX/XX/XXXX after confirming with a Citi Priority banker that I already met qualification requirements for the {$700.00} bonus and should receive the bonus within 90 days of XX/XX/XXXX ( meaning I should expect the bonus by XX/XX/XXXX ). It is now well past XX/XX/XXXX and I've still not received the bonus. I tried calling the bank on 36 different occasions, and after two dropped calls and transfers to customer service personnel who were clueless and just gave me other phone numbers to call, I've lost my patience. Please contact them and have them give me my {$700.00} credit I am due.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc
State: VA

Complaint narrative:
I tried multiple time to get what was actually due for the card and never provide information. I was making small payments and didnt offer payment plans at all. Then charged off my account in less then 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT : XXXXXXXX XXXX DATE OPENED : XXXX XXXX AMT. XXXX I HAVE ENCLOSED MY POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M2 Law Group PC
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX To Whom It May Concern : My name is XXXX XXXX XXXX and I am filing an official complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO XXXX. 

The attorney falsified details on a complaint filed in Third Judicial District in the State of Idaho ( CASE # : XXXX ). 

I requested proof of debt which is my legal right. Letter of Validation : Collection efforts, i.e. documentation, phone calls and/or letters from both the XXXX XXXX and/or his office. No proof of debt was provided. 

In the complaint he stated that he made numerous attempts to collect debts and again 10 days before complaint of judgement was filed. There has been no collection efforts from XXXX XXXX or the attorney. I sent a letter requesting proof of all actions. NONE was provide. This debt is no longer owe- according to XXXX XXXX 

The attorney, XXXX XXXX XXXX knowingly and intentionally practiced deceit knowing that his action would cause hardship and unnecessary XXXX I also filed a complaint with Idaho State Bar Association regarding his actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
OnXX/XX/XXXX, our XXXX XXXX XXXX was in an accident and later deemed to be a total loss. At the time of the accident, we had completed all required lease payments, on time, and were intending to buy out our lease. After the vehicle was deemed a total loss, our insurance company took over resolving the pay off for the value of the vehicle. 

On XX/XX/XXXXToyota Financial Services issued us the attached letter, indicating in the second to last bullet that should anything additional be owed, beyond the insurance settlement, we would be sent a bill and given 30 days to pay. This was the last communication we received from XXXX and according to verification by two phone representatives at Toyota Financial Services on XX/XX/XXXX, nothing further was mailed to us. 

At no time were we provided the statement of balance, nor given 30 days to make payment, should there have been a balance. On XX/XX/XXXX, I received notice from a credit monitoring company that the account was marked as closed, charged off, bad debt, and transferred to a collection agency. Upon contacting TFS, I was informed this was true, that the debt was transferred to a collection agency. 

We subsequently received information from now three different collection agencies and have provided the notification and our responses below. None of the first two collection agencies ever responded to our notification we provided back in writing. 

In XX/XX/XXXX, my husband contacted the XXXX XXXX XXXX  and filed a complaint. In speaking with a representative from Toyota, he was told that there was nothing that could be done and that a letter had been sent back on XX/XX/XXXX. We received a copy of that letter in the mail recently. At no time during any of the communication with Toyota or any of the creditors, prior to XX/XX/XXXX, had we received this letter. It was not published to our account nor had we received it in the mail in XX/XX/XXXX. 

From the start of our lease on XX/XX/XXXX, we never missed a payment or paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This makes my credit transaction suffer because it was harder and longer and so, I would like it to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I originally asked Captial One to close my online XXXX checking account. However, they would not close my checking account due to overdraft protection being included in my Chapter XXXX Bankruptcy. Also, I requested my checking account not be included in my bankruptcy. This will be my second complaint to Capital One about closing my online XXXX checking account. The first response was no help whatsoever. I called both numbers on the letter that was mailed to me. On XX/XX/2021, I called the XXXX is no longer in service or a working number. Then on XX/XX/2021, I called XXXX, ext. XXXX to get a hold of XXXX with Capital One. However, the extension was no longer valid. The letter states that I owe a balance on my online XXXX checking account, but it does not state an amount and who and where to send a check or money order to. On XX/XX/2021, I called Capital One customer service and the customer care agent told me that she could not find a balance on my account and what Capital One is talking about. The customer care agent could not even pull up the letter. Also, I asked the customer care agent to close my online XXXX checking account, and the computer would not give her the option too. The customer care agent felt really bad because she could not help me or her supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
OnXX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent multiple letters and complaints to experian XXXX  and XXXX  about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I got a deposit into my account and the bank put a hold on my account not allowed me to have access to the funds. I called and told the I drove for drive share and it doesnt require me to have a business bank account because Im a XXXX XXXX worker and they have been holding my funds for 2 months.

Company response to consumer: Closed with explanation